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中国银保监会发布《亚博手机版网页登陆租赁公司监管评级办法(试行)》
发布时间:2020-07-06  
信息来源:中国银保监会  
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weijianquanhewanshanyaboshoujibanwangyedengluzulingongsijianguanzhidutixi,qianghuafenleijianguan,tuidongyaboshoujibanwangyedengluzulingongsichixujiankangfazhan,jinri,zhongguoyinbaojianhuifabu《yaboshoujibanwangyedengluzulingongsijianguanpingjibanfa(shixing)》(yixiajiancheng《banfa》)。

 

 
 
 
 

《banfa》gongwuzhangershisitiao,zhuyaobaokuozongze、pingjiyaosuhepingjifangfa、pingjicaozuoguicheng、fenleijianguan、fuzedengwubufen,congzongtishangduiyaboshoujibanwangyedengluzulingongsijianguanpingjigongzuozuochuanpai。yishishedingjianguanpingjiyaosuhefangfa。yaboshoujibanwangyedengluzulingongsijianguanpingjiyaosuzhuyaobaokuozibenguanli、guanlizhiliang、fengxianguanli、zhanlveguanliyuzhuanyenenglisigefangmian,quanzhongzhanbifenbiewei15%、25%、35%、25%。《banfa》haizhenduiyaboshoujibanwangyedengluzulingongsifashengzhongdashexinganjiandengteshuqingxingshezhilexiangyingpingjidiaojiangtiaokuan。ershimingquejianguanpingjicaozuoguicheng。yaboshoujibanwangyedengluzulingongsijianguanpingjifenweiyinbaojianhuipaichujigouchuping、yinbaojianhuifuhe、fankuijianguanpingjijieguo、danganguijidenghuanjie。niandupingjigongzuoyuanzeshangyingyumeinian5yuediqianwancheng。sanshiqianghuajianguanpingjijieguoyunyong。yaboshoujibanwangyedengluzulingongsijianguanpingjijieguofenwei1ji、2ji(a、b)、3ji(a、b)、4jihe5jigong5gejibie7gedangci。jianguanpingjijieguojishuyuedabiaomingjibieyuecha,yuexuyaojianguanguanzhu。yaboshoujibanwangyedengluzulingongsidejianguanpingjijieguoshijianguanjigouhenglianggongsijingyingzhuangkuang、fengxianchengduhefengxianguanlinengli,zhidingjianguanguihua、peizhijianguanziyuan、caiqujianguancuoshihexingdongdezhongyaoyiju。

《banfa》defabuheshishi,jinyibuwanshanleyaboshoujibanwangyedengluzulingongsijianguanguizhi,weiqianghuafenleijianguantigonglezhiduzhicheng,youliyutishengyaboshoujibanwangyedengluzulingongsijianguanxiaoneng,cujinyaboshoujibanwangyedengluzulingongsimaixianggaozhiliangfazhan,chixutishengfuwushitijingjizhixiao。

 
 
 
 

 

 

zhongguoyinbaojianhuibangongtingyabowangyedengluyinfa

yaboshoujibanwangyedengluzulingongsijianguanpingjibanfa(shixing)detongzhi

 

geyinbaojianju:

《yaboshoujibanwangyedengluzulingongsijianguanpingjibanfa(shixing)》yijingyinbaojianhuitongyi,xianyinfajinimen,qingzunzhaozhixing。

 

2020nian6yue30ri

 

(cijianfazhiyinbaojianfenjuheyaboshoujibanwangyedengluzulingongsi)

 

 

yaboshoujibanwangyedengluzulingongsijianguanpingjibanfa(shixing)

 

 

第一章  总则

 

diyitiao weiquanmianpingguyaboshoujibanwangyedengluzulingongsidejingyingguanliyufengxianzhuangkuang,helipeizhijianguanziyuan,jiaqiangfenleijianguan,cujinyaboshoujibanwangyedengluzulingongsichixujiankangfazhan,genju《zhonghuarenmingongheguoyinxingyejianduguanlifa》《yaboshoujibanwangyedengluzulingongsiguanlibanfa》dengyouguanfalvfaguideguiding,zhidingbenbanfa。

 

diertiao   benbanfashiyongyuzaizhonghuarenmingongheguojingneiyifasheliqiekaiyeshijianyimanyigewanzhenghuijinianduyishangdeyaboshoujibanwangyedengluzulingongsifarenjigoudejianguanpingji。

 

disantiao   yaboshoujibanwangyedengluzulingongsijianguanpingjishizhijianguanjigougenjurichangjianguanzhangwoqingkuangyijiqitaxiangguanxinxi,anzhaobenbanfaduiyaboshoujibanwangyedengluzulingongsidezhengtizhuangkuangzuochupingjiapanduandejianguanguocheng,shishishifenleijianguandejichu。

 

disitiao   yaboshoujibanwangyedengluzulingongsidejianguanpingjigongzuoyouzhongguoyinxingbaoxianjianduguanliweiyuanhui(yixiajianchengyinbaojianhui)jiqipaichujigou(baokuoyinbaojianjuheyinbaojianfenju)anzhaobenbanfazuzhishishi。

 

第二章  评级要素和评级方法

 

diwutiao   yaboshoujibanwangyedengluzulingongsijianguanpingjiyaosubaokuozibenguanli、guanlizhiliang、fengxianguanli、zhanlveguanliyuzhuanyenenglidengsifangmianneirong。yaboshoujibanwangyedengluzulingongsijianguanpingjiyaosuyoudinglianghedingxingliangleipingjizhibiaozucheng。

 

diliutiao     yaboshoujibanwangyedengluzulingongsijianguanpingjizhuyaobaohanyixianeirong:

(yi)pingjiyaosuquanzhongshezhi。gejianguanpingjiyaosudebiaozhunquanzhongfenpeiruxia:zibenguanli(15%)、guanlizhiliang(25%)、fengxianguanli(35%)、zhanlveguanliyuzhuanyenengli(25%)。

(er)pingjizhibiaohepingjiyaosudefen。pingjizhibiaodefenyoujianguanrenyuananzhaopingfenbiaozhunpingguhoujiehezhuanyepanduanqueding。pingjiyaosudefenweigepingjizhibiaodefenjiazong。

(san)pingjidefen。pingjidefenyougepingjiyaosudefenanzhaoyaosuquanzhongjiaquanhuizonghouhuode。

(si)jianguanpingjijieguoqueding。genjufenjibiaozhun,yipingjidefenquedingjianguanpingjichubujibiehedangci,zaicijichushang,jiehejianguanpingjidiaozhengyinsuxingchengjianguanpingjijieguo。

 

diqitiao  yaboshoujibanwangyedengluzulingongsidejianguanpingjijibiehedangcifenwei1ji、2ji(a、b)、3ji(a、b)、4jihe5jigong5gejibie7gedangci,jishuyuedabiaomingpingjiyuecha,yuexuyaojianguanguanzhu。

jianguanpingjidefenzai90fen(han)yishangwei1ji;70fen(han)zhi90fenwei2ji,qizhong:80fen(han)zhi90fenwei2a,70fen(han)zhi80fenwei2b;50fen(han)zhi70fenwei3ji,qizhong:60fen(han)zhi70fenwei3a,50fen(han)zhi60fenwei3b;40fen(han)zhi50fenwei4ji;40fenyixiawei5ji。

 

dibatiao   duiyucunzaiyixiaqingxingdeyaboshoujibanwangyedengluzulingongsi,jianguanjigouyingzaipingjidefenduiyingjibiehedangcijichushang,caiquxiangyingcuoshi:

(yi)fashengzhongdashexinganjian、cunzaicaiwuzaojia、beijiyuxingzhengchufahebeicaiqujianguanqiangzhicuoshide,yingqubieqingxingquedingshifoucaiquxiadiaocuoshi,qiejianguanpingjijieguoyingdiyu2ji;

(er)wufazhengchangjingying,chuxianyanzhongxinyongweiji,yanzhongyingxiangzhaiquanrenliyiheyaboshoujibanwangyedengluzhixuwendingde,jianguanpingjijieguoyingwei5ji;

(san)jianguanjigourendingdeqitayingxiadiaojianguanpingjideqingxing,keshiqingjieqingzhongjuedingxiadiaocuoshi。

 

第三章  评级操作规程

 

dijiutiao     yaboshoujibanwangyedengluzulingongsidejianguanpingjizhouqiweiyinian,pingjiaqijianweishangyinian1yue1rizhi12yue31ri。niandupingjigongzuoyuanzeshangyingyumeinian5yuediqianwancheng。

 

dishitiao   yaboshoujibanwangyedengluzulingongsijianguanpingjianzhaoyinbaojianhuipaichujigouchuping、yinbaojianhuifuhe、fankuijianguanpingjijieguo、danganguijidechengxujinxing。

 

dishiyitiao   yinbaojianhuipaichujigouduixianeiyaboshoujibanwangyedengluzulingongsijinxingjianguanpingjichuping。yinbaojianhuipaichujigouzaijianguanpingjishiyingpeizhichongzudejianguanziyuan,quebaopingjigongzuoshunlikaizhan。

 

dishiertiao   jianguanpingjichupingyingdangliqiuguangfanhuijigefangmianxinxi,quanmianfanyingyaboshoujibanwangyedengluzulingongsidegongsizhili、fengxianguanli、yewujingying、bingbiaoguanlidengqingkuang。xiangguanxinxibaokuodanbuxianyu:feixianchangjianguanxinxi、xianchangjianchabaogao、gongsiyouguanjingyingguanliwenjian、shenjibaogaojiqitazhongyaowaibuxinxideng。xinxishoujiyoujigoujianguanbumenqiantouwancheng,bingchongfenzhengqiuxianchangjiancha、gongnengjianguandengyouguanjianguanbumendeyijian。

 

dishisantiao   jianguanpingjichupingyingdangduishoujidexinxijinxingzixizhengli、shaixuanhefenxi,quedingyaboshoujibanwangyedengluzulingongsideguanjianwentihezhuyaofengxianyijixuyaojinyibulejiedepingjixinxi。biyaoshi,kedaobeipingjiyaboshoujibanwangyedengluzulingongsijinxingxianchangzoufang,quanmianlejieqingkuangbingshoujixiangguanxinxi。

 

dishisitiao  jianguanpingjichupingduimeiyixiangpingjiyaosudepingjiayingdangfenxishenru、liyouchongfen、panduanheli,zhunquefanyingyaboshoujibanwangyedengluzulingongsideshijizhuangkuang,bingjuciwanchengxiangguandepingjigongzuodigao。

yinbaojianjufuzeshendingsuoxiayaboshoujibanwangyedengluzulingongsidejianguanpingjichupingjieguo,bingyumeinian4yuediqianjiangxianeiyaboshoujibanwangyedengluzulingongsidejianguanpingjichupingjieguoyijianguanpingjibaogaoxingshibaosongyinbaojianhui。

 

dishiwutiao   yinbaojianhuiduiyinbaojianjubaosongdechupingjieguojinxingfuhe,bingjiangjianguanpingjizuizhongjieguoyishumianxingshifankuixiangyingyinbaojianju。

 

dishiliutiao   yinbaojianhuipaichujigouyingdangjiangyaboshoujibanwangyedengluzulingongsidejianguanpingjizuizhongjieguoyijicunzaidezhuyaofengxianhewenti,tongguohuitan、shenshenjianguanhuiyi、jianguanyijianshudengfangshitongbaojiyaboshoujibanwangyedengluzulingongsi,bingtichuzhenggaiyaoqiu。

 

dishiqitiao  pingjigongzuojieshuhou,yinbaojianhuipaichujigouyingjiangpingjixinxi、pingjigongzuodigao、pingjijieguo、pingjijieguofankuihuitanjiyaodengwenjianziliaocundang。

 

dishibatiao yaboshoujibanwangyedengluzulingongsijianguanpingjijieguoyuanzeshangjingongjianguanjigouneibushiyong。biyaoshi,jianguanjigoukeyicaiqushidangfangshixiangyouguanzhengfubumen、jingwaijianguandangjudengtongbaoyaboshoujibanwangyedengluzulingongsidejianguanpingjijieguo,danyingyaoqiuqibudexiangdisanfangpiluhuogongkai。yaboshoujibanwangyedengluzulingongsiyingduijianguanpingjijieguoyangebaomi,budejiangjianguanpingjijieguoduiwaipilu,budeyongyuguanggao、xuanchuan、yingxiaodengshangyemude。

 

第四章 分类监管

 

dishijiutiao   yaboshoujibanwangyedengluzulingongsidejianguanpingjijieguoyingdangzuoweijianguanjigouhengliangyaboshoujibanwangyedengluzulingongsijingyingzhuangkuang、fengxianchengduhefengxianguanlinengli,zhidingjianguanguihua、peizhijianguanziyuan、caiqujianguancuoshihexingdongdezhongyaoyiju。yaboshoujibanwangyedengluzulingongsidejianguanpingjijieguohaiyingdangzuoweiyaboshoujibanwangyedengluzulingongsishichangzhunrucankaoyinsu。

yinbaojianhuipaichujigouyingdangjieheyaboshoujibanwangyedengluzulingongsidejianguanpingjijieguo,shenrufenxigongsicunzaidefengxian、wentijiqichengyin,zhidingmeijiayaboshoujibanwangyedengluzulingongsidezonghejianguanjihua,mingquejianguanzhongdian,quedingfeixianchangjiancehexianchangjianchadepinlv、fanwei,ducuyaboshoujibanwangyedengluzulingongsiduifaxiandewentijishizhenggai。

duijianguanpingjiwei1jideyaboshoujibanwangyedengluzulingongsi,yifeixianchangjianguanweizhu,dingqijiancegexiangjianguanzhibiao、yewushuju,shiqingkuangjinxingxianchangjiancha,zaichuangxinyewushidiandengfangmianjiyushidangzhichi。

duijianguanpingjiwei2jideyaboshoujibanwangyedengluzulingongsi,jiaqiangrichangfeixianchangjianguanfenxi,tongguozoufang、huitanhediaoyandengfangshizhangwozuixinjingyingzhuangkuang,bingbaochiyidingdexianchangjianchapinlv,jishifaxiangongsijingyingguanlizhongcunzaidefengxianhewenti,ducuqichixugaishanfengxianguanliheneibukongzhi。

duijianguanpingjiwei3jideyaboshoujibanwangyedengluzulingongsi,shidangtigaofeixianchangjianguanhexianchangjianchapinlv、shendu,miqieguanzhugongsicunzaideboruohuanjie,biyaoshiyuetandongshihuihegaojiguanliceng,ducugongsicaiqucuoshigaishanjingyingguanli、jijihuajiefengxian,yifaduiyewuhuodongdengcaiquyidingxianzhicuoshi。

duijianguanpingjiwei4jideyaboshoujibanwangyedengluzulingongsi,jiyugaodu、chixujianguanguanzhu,quanmian、jishizhangwogongsifengxian、wentiqingkuanghebianhuaqushi,lieweixianchangjianchazhongdianduixiang,zhidingyouzhenduixingdexianchangjianchajihua,zengjiayudongshihuihegaojiguanlicengdejianguanhuitanpindu,yaoqiuqilijicaiqucuoshigaishanjingyingzhuangkuang、jiangdifengxianshuiping,kequbieqingxingyifacaiquzelingzantingbufenyewu,xianzhifenpeihongliheqitashouru,zelingdiaozhengdongshi、gaojiguanlirenyuanhuoxianzhiqiquanli,zelingkonggugudongzhuanrangguquanhuozhexianzhiyouguangudongdequanlidengcuoshi。

duijianguanpingjiwei5jideyaboshoujibanwangyedengluzulingongsi,jishizhidingheqidongyingjichuzhiyuan。duiyijingwufacaiqucuoshijinxingjiuzhude,keyiyifaqidongshichangtuichujizhi。

 

diershitiao   yinbaojianhuipaichujigouyingjiaqiangduiyaboshoujibanwangyedengluzulingongsidanxiangyaosupingjidefenqingkuangdejianguanguanzhu,jiehepingjifanyingwenti,shiqingkuangcaiquducugongsizhidingzhenggaijihua、kaizhanzhuanxiangxianchangjianchadengcuoshi。

 

第五章 附则

 

diershiyitiao   yinbaojianhuikegenjuyaboshoujibanwangyedengluzulingongsidefengxiantezhenghejianguanzhongdian,yumeiniankaizhanjianguanpingjigongzuoqianshidangdiaozhengpingjiyaosuhepingjifangfa。

 

diershiertiao   duiyuzaijianguanpingjigongzuojieshuhoufaxianyaboshoujibanwangyedengluzulingongsizhongdafengxianhuozhongdawentide,yinbaojianjukexiangyinbaojianhuitichuxiadiaoyaboshoujibanwangyedengluzulingongsijianguanpingjijieguodejianyi,yinbaojianhuifuhehoucaiquxiangyingdiaozhengcuoshi。

 

diershisantiao    benbanfayouyinbaojianhuifuzejieshi。

 

diershisitiao    benbanfaziyinfazhiriqishixing。


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