??近日，國家金(jin)融(rong)(rong)監(jian)督(du)管理(li)總(zong)局修訂(ding)發(fa)布《金(jin)融(rong)(rong)租(zu)賃(lin)公司管理(li)辦(ban)(ban)法(fa)》（以下簡稱《辦(ban)(ban)法(fa)》）。國家金(jin)融(rong)(rong)監(jian)督(du)管理(li)總(zong)局有(you)(you)關司局負責人表示，修訂(ding)《辦(ban)(ban)法(fa)》有(you)(you)利于(yu)進(jin)(jin)一步加強對金(jin)融(rong)(rong)租(zu)賃(lin)公司監(jian)管，防(fang)范金(jin)融(rong)(rong)風險，完善(shan)機構定位，優化金(jin)融(rong)(rong)服務(wu)，大力(li)支持(chi)企(qi)業設備更(geng)新改造，促進(jin)(jin)行業高質量(liang)發(fa)展。

??近年來，金融(rong)租(zu)賃公(gong)(gong)司(si)堅持功能定位、回歸本源(yuan)，在支持實體(ti)經濟發(fa)展(zhan)過(guo)程(cheng)中重(zhong)要性日益凸顯。中國銀(yin)行(xing)業(ye)協(xie)會發(fa)布的《中國金融(rong)租(zu)賃行(xing)業(ye)發(fa)展(zhan)報告(gao)（2024）》顯示，截至2023年末(mo)，金融(rong)租(zu)賃公(gong)(gong)司(si)總(zong)資產(chan)(chan)規模(mo)達4.18萬(wan)億元(yuan)，同(tong)比(bi)增長10.49%；租(zu)賃資產(chan)(chan)余(yu)額3.97萬(wan)億元(yuan)，同(tong)比(bi)增長9.27%；2023年，直接租(zu)賃業(ye)務(wu)投(tou)放2814.87億元(yuan)，同(tong)比(bi)增長63.39%，占租(zu)賃業(ye)務(wu)投(tou)放總(zong)額的16.42%，同(tong)比(bi)上升4.31個百分(fen)點。

??為推(tui)動金融(rong)租賃行(xing)(xing)(xing)業(ye)高質量發(fa)展(zhan)，近(jin)年來金融(rong)監管(guan)部門(men)在公司(si)治理、股權(quan)管(guan)理、關聯交易管(guan)理等(deng)方(fang)面(mian)出臺了一系列(lie)監管(guan)制(zhi)度(du)法(fa)規。專家(jia)表示，為更好地適(shi)應金融(rong)租賃行(xing)(xing)(xing)業(ye)新(xin)形勢，現行(xing)(xing)(xing)辦法(fa)已(yi)無(wu)法(fa)滿足行(xing)(xing)(xing)業(ye)高質量發(fa)展(zhan)和監管(guan)需求(qiu)，《辦法(fa)》結合金融(rong)租賃行(xing)(xing)(xing)業(ye)實際情況，進(jin)一步補充完善相關內容，加強與現行(xing)(xing)(xing)監管(guan)法(fa)規銜接。

??《辦法(fa)》調整金融(rong)(rong)租(zu)(zu)賃公司業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)范圍，引導其更(geng)加專(zhuan)注主(zhu)責主(zhu)業(ye)。一方面，區分(fen)(fen)基(ji)礎(chu)業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)和專(zhuan)項(xiang)業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)。考慮(lv)到(dao)“固(gu)定收(shou)益類(lei)投資業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)”“提供融(rong)(rong)資租(zu)(zu)賃相關咨詢服務(wu)(wu)(wu)(wu)(wu)(wu)”對(dui)金融(rong)(rong)租(zu)(zu)賃公司專(zhuan)業(ye)性要求更(geng)高，將(jiang)兩(liang)項(xiang)業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)由基(ji)礎(chu)業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)調整到(dao)專(zhuan)項(xiang)業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)。另(ling)一方面，對(dui)境(jing)(jing)(jing)外業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)實施分(fen)(fen)類(lei)管理。在專(zhuan)項(xiang)業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)范圍中，進一步細化金融(rong)(rong)租(zu)(zu)賃公司設立項(xiang)目公司開展(zhan)融(rong)(rong)資租(zu)(zu)賃業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)專(zhuan)項(xiang)業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)資質，區分(fen)(fen)為境(jing)(jing)(jing)內業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)和境(jing)(jing)(jing)外業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)兩(liang)項(xiang)，要求金融(rong)(rong)租(zu)(zu)賃公司從事(shi)境(jing)(jing)(jing)外融(rong)(rong)資租(zu)(zu)賃業(ye)務(wu)(wu)(wu)(wu)(wu)(wu)應當以項(xiang)目公司形式開展(zhan)。

??在(zai)融(rong)(rong)資租賃(lin)(lin)活動(dong)中，做(zuo)好租賃(lin)(lin)物的管理、估值等(deng)業務(wu)，有助于降(jiang)低融(rong)(rong)資租賃(lin)(lin)業務(wu)風險。對此，《辦法》從多個方面細化和(he)規范(fan)融(rong)(rong)資租賃(lin)(lin)業務(wu)活動(dong)，包括優化調整租賃(lin)(lin)物范(fan)圍(wei)、強化租賃(lin)(lin)物價值評估管理、加強租賃(lin)(lin)物適格性監管等(deng)。

??《辦(ban)(ban)法》為強化金融(rong)租(zu)賃公(gong)司的公(gong)司治理、風險監管，進一(yi)步優(you)化和(he)增設(she)部分監管指標，提高金融(rong)租(zu)賃公(gong)司主要出(chu)資人最低(di)(di)(di)持(chi)(chi)股比(bi)(bi)例。《辦(ban)(ban)法》將金融(rong)租(zu)賃公(gong)司主要出(chu)資人持(chi)(chi)股比(bi)(bi)例要求由不低(di)(di)(di)于30%提高至不低(di)(di)(di)于51%。

??招(zhao)聯首席研(yan)究員(yuan)董(dong)希(xi)淼表示，《辦(ban)法(fa)》與其他非銀行金(jin)(jin)融(rong)(rong)(rong)機構(gou)監(jian)管要(yao)(yao)求基本一(yi)致。今年3月，《消費(fei)金(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)管理辦(ban)法(fa)》將(jiang)消費(fei)金(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)主(zhu)要(yao)(yao)出資人持(chi)股比例要(yao)(yao)求，由不低(di)于(yu)(yu)30%提(ti)高至不低(di)于(yu)(yu)50%。2023年中(zhong)央金(jin)(jin)融(rong)(rong)(rong)工作會(hui)議提(ti)出嚴格中(zhong)小金(jin)(jin)融(rong)(rong)(rong)機構(gou)準入和(he)監(jian)管，《辦(ban)法(fa)》進行修改(gai)，是落實會(hui)議精神(shen)的(de)具體(ti)舉措。此舉有(you)助于(yu)(yu)強化(hua)主(zhu)要(yao)(yao)出資人責任，提(ti)高金(jin)(jin)融(rong)(rong)(rong)租賃公(gong)司(si)準入門檻，有(you)利于(yu)(yu)未來更(geng)穩健可持(chi)續(xu)的(de)發展(zhan)。（記者 王(wang)寶會(hui)）