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      為(wei)健全和(he)完善金融(rong)租(zu)賃(lin)公(gong)司(si)(si)業務(wu)(wu)監管(guan)(guan)規制，規范金融(rong)租(zu)賃(lin)公(gong)司(si)(si)以項(xiang)目(mu)公(gong)司(si)(si)形式開展融(rong)資租(zu)賃(lin)業務(wu)(wu)，強化風險(xian)防范，促(cu)進(jin)業務(wu)(wu)持續穩(wen)健發(fa)(fa)展，近日，中國銀保監會發(fa)(fa)布(bu)《金融(rong)租(zu)賃(lin)公(gong)司(si)(si)項(xiang)目(mu)公(gong)司(si)(si)管(guan)(guan)理辦(ban)法》（以下簡(jian)稱《辦(ban)法》），自印發(fa)(fa)之(zhi)日起(qi)施行。

      《辦法(fa)(fa)(fa)(fa)》共五(wu)章，三(san)十四條(tiao)，主要內(nei)容包括：一(yi)是(shi)(shi)明(ming)確(que)《辦法(fa)(fa)(fa)(fa)》的(de)法(fa)(fa)(fa)(fa)律依據、項(xiang)目公(gong)(gong)(gong)(gong)司(si)定義及(ji)通過項(xiang)目公(gong)(gong)(gong)(gong)司(si)開(kai)展融(rong)(rong)資租賃(lin)交易的(de)租賃(lin)物范圍(wei)。金(jin)(jin)融(rong)(rong)租賃(lin)公(gong)(gong)(gong)(gong)司(si)、金(jin)(jin)融(rong)(rong)租賃(lin)公(gong)(gong)(gong)(gong)司(si)專業(ye)子公(gong)(gong)(gong)(gong)司(si)（以下(xia)簡稱專業(ye)子公(gong)(gong)(gong)(gong)司(si)）依照相關法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)設(she)立(li)項(xiang)目公(gong)(gong)(gong)(gong)司(si)開(kai)展融(rong)(rong)資租賃(lin)業(ye)務(wu)適用(yong)《辦法(fa)(fa)(fa)(fa)》。二是(shi)(shi)明(ming)確(que)項(xiang)目公(gong)(gong)(gong)(gong)司(si)設(she)立(li)地(di)點、設(she)立(li)資格條(tiao)件、設(she)立(li)原(yuan)則及(ji)業(ye)務(wu)范圍(wei)。其中，項(xiang)目公(gong)(gong)(gong)(gong)司(si)境(jing)內(nei)設(she)立(li)地(di)點為境(jing)內(nei)保稅(shui)地(di)區、自(zi)由貿(mao)易試驗區、自(zi)由貿(mao)易港等境(jing)內(nei)區域。三(san)是(shi)(shi)要求金(jin)(jin)融(rong)(rong)租賃(lin)公(gong)(gong)(gong)(gong)司(si)、專業(ye)子公(gong)(gong)(gong)(gong)司(si)遵循并表(biao)管(guan)(guan)(guan)理原(yuan)則、穿透管(guan)(guan)(guan)理原(yuan)則管(guan)(guan)(guan)理項(xiang)目公(gong)(gong)(gong)(gong)司(si)，建立(li)健全管(guan)(guan)(guan)理制(zhi)度(du)及(ji)機制(zhi)，實(shi)施全面風(feng)險(xian)管(guan)(guan)(guan)理。四是(shi)(shi)加強風(feng)險(xian)管(guan)(guan)(guan)理，明(ming)確(que)項(xiang)目公(gong)(gong)(gong)(gong)司(si)對應關系、股權轉(zhuan)受讓(rang)、清(qing)算關閉、境(jing)外管(guan)(guan)(guan)理型(xing)項(xiang)目公(gong)(gong)(gong)(gong)司(si)職能、層級(ji)等具體要求。五(wu)是(shi)(shi)明(ming)確(que)銀行(xing)保險(xian)監(jian)督管(guan)(guan)(guan)理機構的(de)監(jian)管(guan)(guan)(guan)責任，事(shi)項(xiang)報告、監(jian)管(guan)(guan)(guan)指標(biao)、報表(biao)報送等監(jian)管(guan)(guan)(guan)要求，并可針對存在的(de)問題和風(feng)險(xian)依據現行(xing)有(you)關法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)采取監(jian)管(guan)(guan)(guan)措(cuo)施或實(shi)施處罰。

      下一步，銀保(bao)監會將持續強(qiang)化監管，指導(dao)金融租賃(lin)公司、專業(ye)(ye)子公司做好《辦法(fa)》的貫徹(che)落實，充分發揮特色功能，做精專業(ye)(ye)、強(qiang)化服(fu)務(wu)，助(zhu)力航空航運等產業(ye)(ye)發展，支持境內保(bao)稅(shui)地區、自(zi)由(you)貿易試驗(yan)區、自(zi)由(you)貿易港(gang)建設，提(ti)高服(fu)務(wu)實體經濟(ji)效率和水平。

      中國銀保監會有關部(bu)門負責人就《金融(rong)租賃公司項目(mu)公司管理辦法》答記者問

      為進一步健全和(he)完善金融(rong)(rong)租賃(lin)公(gong)司業(ye)務(wu)監管(guan)規制(zhi)，規范(fan)金融(rong)(rong)租賃(lin)公(gong)司以項目公(gong)司形式開展融(rong)(rong)資租賃(lin)業(ye)務(wu)，強化風險防范(fan)，促進業(ye)務(wu)持續(xu)穩健發展，近日(ri)，中(zhong)國(guo)銀保監會(hui)發布《金融(rong)(rong)租賃(lin)公(gong)司項目公(gong)司管(guan)理辦(ban)法》（以下簡(jian)稱《辦(ban)法》）。中(zhong)國(guo)銀保監會(hui)有關(guan)部門負責人就相關(guan)問題回(hui)答了記者提問。

      一(yi)、制定《辦法》的背(bei)景(jing)是(shi)什么？

      以(yi)項(xiang)目公(gong)司特定(ding)目的(de)載體(ti)形(xing)式開展飛(fei)機、船(chuan)舶租賃(lin)(lin)業(ye)(ye)務，是租賃(lin)(lin)行(xing)業(ye)(ye)的(de)國際慣例和通(tong)行(xing)做法(fa)。2010年(nian),原銀監(jian)(jian)會出臺了《關(guan)于金融租賃(lin)(lin)公(gong)司在(zai)境內(nei)保(bao)稅地區(qu)設立項(xiang)目公(gong)司開展融資租賃(lin)(lin)業(ye)(ye)務有關(guan)問(wen)題的(de)通(tong)知》（銀監(jian)(jian)發〔2010〕2號），為我國金融租賃(lin)(lin)公(gong)司在(zai)境內(nei)保(bao)稅地區(qu)積極探索航空、航運相關(guan)租賃(lin)(lin)業(ye)(ye)務專業(ye)(ye)化發展奠定(ding)了基(ji)礎。

      隨(sui)著國內外經濟(ji)金融形(xing)勢的不(bu)斷(duan)(duan)變化和(he)業(ye)務(wu)探索的不(bu)斷(duan)(duan)深(shen)入，金融租賃(lin)公(gong)司以(yi)項目公(gong)司形(xing)式開展融資(zi)租賃(lin)業(ye)務(wu)的市場(chang)基礎(chu)不(bu)斷(duan)(duan)完(wan)善(shan)，業(ye)務(wu)規模不(bu)斷(duan)(duan)增長的同時(shi)管(guan)理(li)難度也(ye)日(ri)益(yi)增加(jia)。為進(jin)一(yi)步鼓(gu)勵和(he)支持金融租賃(lin)行業(ye)提(ti)高(gao)服務(wu)實體經濟(ji)的能力和(he)水(shui)平，圍(wei)繞(rao)國家(jia)重大戰略高(gao)質(zhi)量(liang)發(fa)展，同時(shi)增強風險(xian)管(guan)理(li)效(xiao)果，提(ti)升(sheng)風險(xian)監管(guan)工作質(zhi)效(xiao)，銀保監會(hui)制(zhi)定并發(fa)布《辦(ban)法》。

      二、《辦法》主要內容包括哪(na)些?

      《辦(ban)法》共五章，三十四(si)(si)條，主要內容包括：一是(shi)明(ming)(ming)確《辦(ban)法》的(de)(de)法律(lv)依據、項(xiang)目(mu)公(gong)司(si)(si)定義及通(tong)過(guo)項(xiang)目(mu)公(gong)司(si)(si)開(kai)展融(rong)(rong)資租(zu)(zu)賃(lin)交(jiao)易的(de)(de)租(zu)(zu)賃(lin)物范圍(wei)。金(jin)融(rong)(rong)租(zu)(zu)賃(lin)公(gong)司(si)(si)、金(jin)融(rong)(rong)租(zu)(zu)賃(lin)公(gong)司(si)(si)專業(ye)子(zi)公(gong)司(si)(si)（以下(xia)簡稱專業(ye)子(zi)公(gong)司(si)(si)）依照相關(guan)(guan)法律(lv)法規設(she)(she)(she)立(li)(li)項(xiang)目(mu)公(gong)司(si)(si)開(kai)展融(rong)(rong)資租(zu)(zu)賃(lin)業(ye)務適用(yong)《辦(ban)法》。二是(shi)明(ming)(ming)確項(xiang)目(mu)公(gong)司(si)(si)設(she)(she)(she)立(li)(li)地點(dian)、設(she)(she)(she)立(li)(li)資格條件、設(she)(she)(she)立(li)(li)原則(ze)(ze)及業(ye)務范圍(wei)。三是(shi)要求金(jin)融(rong)(rong)租(zu)(zu)賃(lin)公(gong)司(si)(si)、專業(ye)子(zi)公(gong)司(si)(si)遵(zun)循并表管(guan)(guan)理(li)原則(ze)(ze)、穿透管(guan)(guan)理(li)原則(ze)(ze)管(guan)(guan)理(li)項(xiang)目(mu)公(gong)司(si)(si)，建(jian)立(li)(li)健全管(guan)(guan)理(li)制(zhi)度及機制(zhi)，實(shi)施(shi)(shi)全面風(feng)險(xian)管(guan)(guan)理(li)。四(si)(si)是(shi)加(jia)強風(feng)險(xian)管(guan)(guan)理(li)，明(ming)(ming)確項(xiang)目(mu)公(gong)司(si)(si)對應關(guan)(guan)系、股權轉受讓(rang)、清算(suan)關(guan)(guan)閉(bi)、境外(wai)管(guan)(guan)理(li)型項(xiang)目(mu)公(gong)司(si)(si)職能、層級等具體要求。五是(shi)明(ming)(ming)確銀行(xing)保險(xian)監(jian)督管(guan)(guan)理(li)機構的(de)(de)監(jian)管(guan)(guan)責任，事項(xiang)報(bao)告(gao)、監(jian)管(guan)(guan)指標、報(bao)表報(bao)送(song)等監(jian)管(guan)(guan)要求，并可針對存在的(de)(de)問題(ti)和風(feng)險(xian)依據現行(xing)有關(guan)(guan)法律(lv)法規采取(qu)監(jian)管(guan)(guan)措(cuo)施(shi)(shi)或實(shi)施(shi)(shi)處罰(fa)。

      三、金融(rong)租賃公司可以(yi)在境內哪些(xie)區域設立項目(mu)公司開(kai)展融(rong)資租賃業務(wu)？

      為加大自(zi)(zi)由(you)貿(mao)易試(shi)驗區(qu)(qu)、自(zi)(zi)由(you)貿(mao)易港配(pei)套金融(rong)服務(wu)支持力度(du)，金融(rong)租賃公司取得在境內保(bao)稅地區(qu)(qu)設(she)立(li)項目公司開展(zhan)融(rong)資租賃業(ye)(ye)務(wu)資格(ge)后(hou)，可以在境內保(bao)稅地區(qu)(qu)、自(zi)(zi)由(you)貿(mao)易試(shi)驗區(qu)(qu)、自(zi)(zi)由(you)貿(mao)易港等境內區(qu)(qu)域設(she)立(li)項目公司開展(zhan)融(rong)資租賃業(ye)(ye)務(wu)。

      四、金融租(zu)賃(lin)公司設(she)立項目公司開展融資租(zu)賃(lin)交易的(de)租(zu)賃(lin)物都有哪些？

      為契合境(jing)(jing)內保(bao)稅地區、自由(you)貿(mao)易試驗(yan)區、自由(you)貿(mao)易港等(deng)境(jing)(jing)內區域(yu)核(he)心功(gong)能(neng)需要，并支(zhi)持“一帶一路”、“走出去(qu)”等(deng)融(rong)資(zi)租賃(lin)需求，金融(rong)租賃(lin)公司(si)設(she)立項目公司(si)開展融(rong)資(zi)租賃(lin)交易的租賃(lin)物包(bao)括飛機（含發動機）、船舶、集裝(zhuang)箱、海(hai)洋工程結構物、工程機械、車輛等(deng)。

      五、《辦法》在增(zeng)強項目(mu)公司(si)風險管(guan)理實(shi)施效果方面有哪些安排(pai)？

      一是(shi)(shi)全面(mian)規(gui)范金融(rong)租賃(lin)(lin)公(gong)(gong)(gong)司(si)、專業(ye)子(zi)公(gong)(gong)(gong)司(si)通過項(xiang)目公(gong)(gong)(gong)司(si)形式開(kai)展的融(rong)資租賃(lin)(lin)業(ye)務(wu)(wu)，明確了(le)專業(ye)子(zi)公(gong)(gong)(gong)司(si)境外(wai)項(xiang)目公(gong)(gong)(gong)司(si)的相(xiang)關監管(guan)(guan)要(yao)求(qiu)(qiu)。二是(shi)(shi)強化業(ye)務(wu)(wu)穿(chuan)透管(guan)(guan)理(li)和(he)全面(mian)風險(xian)管(guan)(guan)理(li)要(yao)求(qiu)(qiu)，強調金融(rong)租賃(lin)(lin)公(gong)(gong)(gong)司(si)、專業(ye)子(zi)公(gong)(gong)(gong)司(si)通過項(xiang)目公(gong)(gong)(gong)司(si)開(kai)展的融(rong)資租賃(lin)(lin)業(ye)務(wu)(wu)應(ying)當適用不低于直接開(kai)展業(ye)務(wu)(wu)的風險(xian)管(guan)(guan)理(li)要(yao)求(qiu)(qiu)并納(na)入全面(mian)風險(xian)管(guan)(guan)理(li)體系。三是(shi)(shi)從(cong)優化項(xiang)目公(gong)(gong)(gong)司(si)對應(ying)關系、層級設置等方(fang)面(mian)促進增強內生管(guan)(guan)理(li)動(dong)力，積極(ji)防范風險(xian)。