中(zhong)證網(wang)訊（記者(zhe) 王方圓）銀(yin)(yin)保監會(hui)11月28日消息，為全面(mian)貫徹落實中(zhong)央巡視整改要(yao)求，加強金(jin)融(rong)(rong)監管(guan)，規(gui)(gui)范金(jin)融(rong)(rong)活(huo)動，針對(dui)前期(qi)部分金(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)(lin)公(gong)司(si)開(kai)(kai)展融(rong)(rong)資租(zu)(zu)賃(lin)(lin)(lin)業(ye)務(wu)(wu)過程中(zhong)，存在(zai)以(yi)融(rong)(rong)物為名變(bian)相開(kai)(kai)展“類信貸”業(ye)務(wu)(wu)、虛構(gou)或低(di)值高買租(zu)(zu)賃(lin)(lin)(lin)物、變(bian)相新增地(di)方政府隱性債(zhai)務(wu)(wu)等問題，2022年2月，銀(yin)(yin)保監會(hui)印(yin)發(fa)了(le)《中(zhong)國(guo)銀(yin)(yin)保監會(hui)辦公(gong)廳關于加強金(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)(lin)公(gong)司(si)融(rong)(rong)資租(zu)(zu)賃(lin)(lin)(lin)業(ye)務(wu)(wu)合(he)規(gui)(gui)監管(guan)有關問題的通知(zhi)》（以(yi)下簡稱《通知(zhi)》），進(jin)一(yi)步引導金(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)(lin)公(gong)司(si)找準市(shi)場定(ding)位、實現差異化發(fa)展。

　　《通(tong)知(zhi)》主(zhu)要(yao)包括以(yi)(yi)下內容：一是(shi)(shi)推動金融(rong)租(zu)賃(lin)(lin)(lin)公(gong)(gong)(gong)司業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)轉型發展(zhan)(zhan)。《通(tong)知(zhi)》引導金融(rong)租(zu)賃(lin)(lin)(lin)公(gong)(gong)(gong)司立足主(zhu)責主(zhu)業(ye)(ye)(ye)(ye)(ye)，突(tu)出“融(rong)物(wu)(wu)”功能，加大對先(xian)進(jin)(jin)(jin)制造業(ye)(ye)(ye)(ye)(ye)、綠色(se)產業(ye)(ye)(ye)(ye)(ye)、戰(zhan)略(lve)新興領(ling)域等(deng)方(fang)面的(de)(de)(de)(de)支持力度，不斷提(ti)升服(fu)務(wu)(wu)實體經濟(ji)質效；進(jin)(jin)(jin)一步強化(hua)租(zu)賃(lin)(lin)(lin)物(wu)(wu)管(guan)理(li)，做精做細租(zu)賃(lin)(lin)(lin)物(wu)(wu)細分市場，實現(xian)(xian)專業(ye)(ye)(ye)(ye)(ye)化(hua)、特色(se)化(hua)、差異化(hua)發展(zhan)(zhan)。二是(shi)(shi)強化(hua)構(gou)(gou)筑(zhu)(zhu)(zhu)物(wu)(wu)作(zuo)為租(zu)賃(lin)(lin)(lin)物(wu)(wu)的(de)(de)(de)(de)適格性(xing)(xing)監(jian)管(guan)。《通(tong)知(zhi)》參考了《民法(fa)典》關(guan)(guan)于融(rong)資租(zu)賃(lin)(lin)(lin)合(he)(he)同的(de)(de)(de)(de)相關(guan)(guan)規(gui)定，進(jin)(jin)(jin)一步明確(que)了構(gou)(gou)筑(zhu)(zhu)(zhu)物(wu)(wu)作(zuo)為租(zu)賃(lin)(lin)(lin)物(wu)(wu)的(de)(de)(de)(de)適格性(xing)(xing)標(biao)(biao)準(zhun)，要(yao)求金融(rong)租(zu)賃(lin)(lin)(lin)公(gong)(gong)(gong)司以(yi)(yi)構(gou)(gou)筑(zhu)(zhu)(zhu)物(wu)(wu)作(zuo)為租(zu)賃(lin)(lin)(lin)物(wu)(wu)開展(zhan)(zhan)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)的(de)(de)(de)(de)，構(gou)(gou)筑(zhu)(zhu)(zhu)物(wu)(wu)需具備(bei)所有(you)權完整且可(ke)轉移、可(ke)處置、非公(gong)(gong)(gong)益(yi)性(xing)(xing)和具備(bei)經濟(ji)價(jia)值等(deng)前期(qi)條(tiao)件(jian)，嚴禁(jin)以(yi)(yi)明顯不符合(he)(he)上述標(biao)(biao)準(zhun)、可(ke)能增加地方(fang)政(zheng)府隱性(xing)(xing)債務(wu)(wu)的(de)(de)(de)(de)構(gou)(gou)筑(zhu)(zhu)(zhu)物(wu)(wu)作(zuo)為租(zu)賃(lin)(lin)(lin)物(wu)(wu)。三(san)是(shi)(shi)穩妥控(kong)制相關(guan)(guan)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)規(gui)模。銀保(bao)監(jian)會(hui)在(zai)深入調研評估的(de)(de)(de)(de)基礎上，要(yao)求金融(rong)租(zu)賃(lin)(lin)(lin)公(gong)(gong)(gong)司在(zai)三(san)年過渡(du)期(qi)內，分階段壓(ya)降構(gou)(gou)筑(zhu)(zhu)(zhu)物(wu)(wu)租(zu)賃(lin)(lin)(lin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)，并優先(xian)考慮壓(ya)降不符合(he)(he)適格性(xing)(xing)標(biao)(biao)準(zhun)的(de)(de)(de)(de)構(gou)(gou)筑(zhu)(zhu)(zhu)物(wu)(wu)租(zu)賃(lin)(lin)(lin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)。四是(shi)(shi)部署開展(zhan)(zhan)融(rong)資租(zu)賃(lin)(lin)(lin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)合(he)(he)規(gui)性(xing)(xing)專項現(xian)(xian)場檢查(cha)。《通(tong)知(zhi)》就融(rong)資租(zu)賃(lin)(lin)(lin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)合(he)(he)規(gui)性(xing)(xing)問題組織(zhi)各銀保(bao)監(jian)局(ju)開展(zhan)(zhan)專項現(xian)(xian)場檢查(cha)，著(zhu)力整治金融(rong)租(zu)賃(lin)(lin)(lin)公(gong)(gong)(gong)司以(yi)(yi)融(rong)物(wu)(wu)為名違規(gui)開展(zhan)(zhan)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)，防止租(zu)賃(lin)(lin)(lin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)異化(hua)為“類信貸”工(gong)具。五(wu)是(shi)(shi)強化(hua)屬地監(jian)管(guan)職責。《通(tong)知(zhi)》要(yao)求各銀保(bao)監(jian)局(ju)高度重視融(rong)資租(zu)賃(lin)(lin)(lin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)合(he)(he)規(gui)監(jian)管(guan)的(de)(de)(de)(de)重要(yao)意義，認真履(lv)行監(jian)管(guan)職責，持續跟進(jin)(jin)(jin)相關(guan)(guan)工(gong)作(zuo)進(jin)(jin)(jin)展(zhan)(zhan)，深入開展(zhan)(zhan)專項現(xian)(xian)場檢查(cha)，確(que)保(bao)相關(guan)(guan)工(gong)作(zuo)取得實效。

　　銀(yin)保監會表示，《通知(zhi)》的發布(bu)實(shi)(shi)施(shi)，有利于規范(fan)金融(rong)(rong)租(zu)賃公(gong)(gong)司構筑物租(zu)賃業(ye)務，提升業(ye)務合(he)規性和(he)穩健(jian)性，促進(jin)(jin)規范(fan)發展。下一步，銀(yin)保監會將(jiang)繼續(xu)督促引(yin)導金融(rong)(rong)租(zu)賃公(gong)(gong)司回(hui)歸(gui)本源、專注主(zhu)業(ye)，提升合(he)規意(yi)識和(he)合(he)規理念，強化風險(xian)管(guan)理和(he)內部控制，進(jin)(jin)一步發揮“融(rong)(rong)物+融(rong)(rong)資”特色功能，更好服務實(shi)(shi)體經濟，實(shi)(shi)現高(gao)質(zhi)量發展。