中證網(wang)訊(xun)（記者 歐陽劍環）銀保(bao)監(jian)會(hui)網(wang)站1月(yue)13日(ri)消息(xi)，為健全消費(fei)金(jin)融公(gong)司(si)(si)風險監(jian)管(guan)制(zhi)度體系，強(qiang)化(hua)分類監(jian)管(guan)，推動消費(fei)金(jin)融公(gong)司(si)(si)持續(xu)健康發(fa)展。近(jin)日(ri)，銀保(bao)監(jian)會(hui)發(fa)布(bu)《消費(fei)金(jin)融公(gong)司(si)(si)監(jian)管(guan)評級辦法（試行）》（以下簡稱《辦法》）。

　　《辦法(fa)》共五(wu)(wu)章(zhang)二十五(wu)(wu)條，主要(yao)(yao)包括(kuo)總則、評(ping)級(ji)(ji)(ji)(ji)要(yao)(yao)素與評(ping)級(ji)(ji)(ji)(ji)方(fang)法(fa)、評(ping)級(ji)(ji)(ji)(ji)程序、評(ping)級(ji)(ji)(ji)(ji)結(jie)果(guo)運用、附則等(deng)(deng)五(wu)(wu)部(bu)分，從總體上對消(xiao)(xiao)(xiao)費(fei)(fei)金(jin)融(rong)公(gong)(gong)司(si)監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)工(gong)作作出安排(pai)。一是設(she)定監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)要(yao)(yao)素和(he)(he)方(fang)法(fa)。消(xiao)(xiao)(xiao)費(fei)(fei)金(jin)融(rong)公(gong)(gong)司(si)監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)要(yao)(yao)素共5項(xiang)：公(gong)(gong)司(si)治理(li)(li)與內控、資本管(guan)(guan)(guan)(guan)(guan)理(li)(li)、風險管(guan)(guan)(guan)(guan)(guan)理(li)(li)、專業(ye)服務質量、信息(xi)科技管(guan)(guan)(guan)(guan)(guan)理(li)(li)，各部(bu)分權重(zhong)占比分別為28%、12%、35%、15%、10%。二是明確監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)操作程序。消(xiao)(xiao)(xiao)費(fei)(fei)金(jin)融(rong)公(gong)(gong)司(si)監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)分為銀(yin)保監(jian)(jian)會(hui)派出機構(gou)(gou)初評(ping)、銀(yin)保監(jian)(jian)會(hui)復核(he)、反饋監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)結(jie)果(guo)、檔(dang)案歸集(ji)等(deng)(deng)環節。評(ping)級(ji)(ji)(ji)(ji)工(gong)作原則上應于每年4月底(di)前完成。三是強化(hua)監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)結(jie)果(guo)運用。監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)結(jie)果(guo)分為1級(ji)(ji)(ji)(ji)、2級(ji)(ji)(ji)(ji)（A、B）、3級(ji)(ji)(ji)(ji)（A、B）、4級(ji)(ji)(ji)(ji)和(he)(he)5級(ji)(ji)(ji)(ji)。評(ping)級(ji)(ji)(ji)(ji)結(jie)果(guo)數值越大(da)表明機構(gou)(gou)風險越大(da)，需要(yao)(yao)越高程度的(de)監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)關注。監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)評(ping)級(ji)(ji)(ji)(ji)結(jie)果(guo)是監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)部(bu)門衡量公(gong)(gong)司(si)經營(ying)狀(zhuang)況、風險管(guan)(guan)(guan)(guan)(guan)理(li)(li)能力和(he)(he)風險程度，以及制定監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)規(gui)劃、配置(zhi)監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)資源、采(cai)取監(jian)(jian)管(guan)(guan)(guan)(guan)(guan)措施(shi)的(de)重(zhong)要(yao)(yao)依據，也是實(shi)施(shi)消(xiao)(xiao)(xiao)費(fei)(fei)金(jin)融(rong)公(gong)(gong)司(si)市場準入事項(xiang)的(de)參考因素。

　　銀保監(jian)(jian)會表示，《辦法(fa)》的發布和(he)實施，進一步完善了(le)消費金(jin)融(rong)公司(si)監(jian)(jian)管規制(zhi)(zhi)，為強化分類監(jian)(jian)管提供了(le)制(zhi)(zhi)度支撐，有利于(yu)提升監(jian)(jian)管工作效能，引導消費金(jin)融(rong)公司(si)強化風險防控(kong)，發揮特色功(gong)能，加快向高質量(liang)發展(zhan)轉變，更好地服務(wu)實體經濟。