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互联网贷款新规正式落地!过渡期为2年,网贷个人授信额度不超20万元(附全文)

2020-07-17
410058
分享到

7YUE17RI,YINBAOJIANHUIGONGBU《SHANGYEYINXINGHULIANWANGDAIKUANGUANLIZANXINGBANFA》。

JUYINBAOJIANHUI7YUE17RIXIAOXI,WEIGUIFANSHANGYEYINXINGHULIANWANGDAIKUANYEWUJINGYINGXINGWEI,CUJINHULIANWANGDAIKUANYEWUPINGWENJIANKANGFAZHAN,YINBAOJIANHUIZHIDINGLE《SHANGYEYINXINGHULIANWANGDAIKUANGUANLIZANXINGBANFA》(XIACHENG《BANFA》),ZIGONGBUZHIRIQISHIXING。

《BANFA》GONGQIZHANGQISHITIAO,FENBIEWEIZONGZE、FENGXIANGUANLITIXI、FENGXIANSHUJUHEFENGXIANMOXINGGUANLI、XINXIKEJIFENGXIANGUANLI、DAIKUANHEZUOGUANLI、JIANDUGUANLIHEFUZE。

一是合理界定互联网贷款内涵及范围,明确互联网贷款应遵循小额、短期、高效和风险可控原则。

二是明确风险管理要求。商业银行应当针对互联网贷款业务建立全面风险管理体系,在贷前、贷中、贷后全流程进行风险控制,加强风险数据和风险模型管理,同时防范和管控信息科技风险。

三是规范合作机构管理。要求商业银行建立健全合作机构准入和退出机制,在内控制度、准入前评估、协议签署、信息披露、持续管理等方面加强管理、压实责任。对与合作机构共同出资发放贷款的,《办法》提出加强限额管理和集中度管理等要求。

四是强化消费者保护。明确商业银行应当建立互联网借款人权益保护机制,对借款人数据来源、使用、保管等问题提出明确要求。《办法》还规定,商业银行应当加强信息披露,不得委托有违法违规记录的合作机构进行清收。

五是加强事中事后监管。《办法》对商业银行提交互联网贷款业务情况报告、自评估、重大事项报告等提出监管要求。监管机构实施监督检查,对违法违规行为依法追究法律责任。

JUTILAIKAN,《BANFA》JIANGHULIANWANGDAIKUANDINGYIWEI“SHANGYEYINXINGYUNYONGHULIANWANGHEYIDONGTONGXINDENGXINXITONGXINJISHU,JIYUFENGXIANSHUJUHEFENGXIANMOXINGJINXINGJIAOCHAYANZHENGHEFENGXIANGUANLI,XIANSHANGZIDONGSHOULIDAIKUANSHENQINGJIKAIZHANFENGXIANPINGGU,BINGWANCHENGSHOUXINSHENPI、HETONGQIANDING、DAIKUANZHIFU、DAIHOUGUANLIDENGHEXINYEWUHUANJIECAOZUO,WEIFUHETIAOJIANDEJIEKUANRENTIGONGDEYONGYUXIAOFEI、RICHANGSHENGCHANJINGYINGZHOUZHUANDENGDEGERENDAIKUANHELIUDONGZIJINDAIKUAN。”

GENJUSHANGSHUDINGYI,YIXIADAIKUANBUSHUYU《BANFA》GUIFANDEFANCHOU,RENGSHIYONGXIANYOUSHOUXIN、DAIKUANDENGXIANGGUANJIANGUANGUIZHI。

一是线上线下结合,贷款授信核心判断仍来源于线下的贷款。例如,目前大多数所谓的线上企业流动资金贷款、供应链融资等,商业银行贷款调查、风险评估和预授信等实质风险评估环节均在线下完成,出于便利借款人和提高效率考虑将贷款申请及后续操作环节于线上完成。

二是部分抵质押贷款。例如以房屋等资产为抵押物发放的贷款,押品的评估登记等手续需要在线下完成。

三是固定资产贷款。因固定资产贷款涉及较多线下审查内容,不属于《办法》定义范围内的互联网贷款。

ZAIFENGXIANGUANLIFANGMIAN,KAOLVDAOSHANGYEYINXINGHULIANWANGDAIKUANDUOWEIDU、DUOYAOSUPANDUANJIEKUANRENXINYONGZHUANGKUANGTEZHENG,CAINAXIANGGUANJIGOUFANKUIYIJIAN,JIANGDIERSHITIAO“SHUIWU、SHEHUIBAOXIANJIJIN、ZHUFANGGONGJIJINXINXI”BUZUOWEIQIANGZHIXINGXINYONGZHUANGKUANGPANDUANYAOSU。ZAIFANGKUANKONGZHIFANGMIAN,ZAIMINGQUESHANGYEYINXINGFANGKUANHUANJIEJIAQIANGFENGKONGDEQIANTIXIA,YUNXUQIGENJUZISHENFENGKONGMOSHIHESHOUDUAN,ZIZHUXUANZESHIFOUZAICIJINXINGZHENGXINCHAXUN;ZAIDANBAOZENGXINFANGMIAN,ZENGJIA“SHANGYEYINXINGBUDEYINYINRUDANBAOZENGXINFANGSONGDUIDAIKUANZHILIANGGUANKONG”YAOQIU,QIANGHUASHANGYEYINXINGZHUTIZEREN,FANGZHISHANGYEYINXINGFENGXIANGUANLI“KONGXINHUA”。

ZAIGUIFANSHANGYEYINXINGDUIHEZUOJIGOUGUANLIFANGMIAN,WEIYINDAOSHANGYEYINXINGSHENSHENKAIZHANYUHEZUOJIGOUDEHEZUO,FANGZHIHEZUOJIGOUFENGXIANXIANGYINXINGCHUANRAN,《BANFA》YAOQIUSHANGYEYINXINGDUIHEZUOJIGOUCONGZHUNRUDAOTUICHUJIANLIQUANLIUCHENG、XITONGXINGDEGUANLIJIZHI,TISHENGQIJINGXIHUAGUANLINENGLI。

一是商业银行应当建立各类合作机构的全行统一的准入机制,并实施分层分类管理。商业银行应当从经营情况、管理能力、风控水平等方面对合作机构进行准入前评估,合作机构资质应和其承担的职能相匹配。

二是商业银行与合作机构签订的书面合作协议中,应明确合作范围、操作流程、各方权责、风险分担、客户权益保护等内容。合作协议应体现收益和风险相匹配的原则。

三是商业银行应当向借款人充分披露自身与合作机构的信息、合作类产品的信息、自身与合作各方权利义务等,避免客户产生品牌混同。商业银行在依法合规前提下,可通过应用程序接口等技术手段,在获客、合同签订等环节与合作机构开展基于应用场景的合作。

四是商业银行应当持续对合作机构进行管理,定期进行全面评估;发现合作机构无法继续满足准入条件的,应当及时终止合作关系。

ZAIYUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANSHI,SHANGYEYINXINGYINGDANGANZHAOZIZHUFENGKONGDEYUANZESHENSHENKAIZHANYEWU,BIMIANCHENGWEIDANCHUNDEZIJINTIGONGFANG。《BANFA》YAOQIUSHANGYEYINXINGJIANLIJIANQUANNEIBUGUANLIZHIDU,DULIJINXINGFENGXIANPINGGUHESHOUXINSHENPI,ANZHAOSHIDUFENSANDEYUANZEXUANZEHEZUOJIGOU,BIMIANDUIHEZUOJIGOUDEGUODUYILAI;TONGSHIYAOQIUYINXINGJIANGYUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANZONGENARUXIANEGUANLI,BINGDUIDANBIDAIKUANCHUZIBILISHIXINGQUJIANGUANLI。

ZAIGUODUQIANPAIFANGMIAN,ANZHAO“XINLAOHUADUAN”YUANZESHEZHIGUODUQI,GUODUQIWEI《BANFA》SHISHIZHIRIQI2NIAN。GUODUQINEI,SHANGYEYINXINGDUIZHAO《BANFA》ZHIDINGZHENGGAIFANGANBINGYOUXUSHISHI,BUFUHE《BANFA》GUIDINGDEYEWUZHUBUYOUXUYAJIANG。GUODUQIJIESHUHOU,SHANGYEYINXINGSUOYOUCUNXUHULIANWANGDAIKUANYEWUJUNYINGZUNSHOUBEN《BANFA》GUIDING。

FABUSHISHI《BANFA》SHIWANSHANWOGUOSHANGYEYINXINGHULIANWANGDAIKUANJIANGUANZHIDUDEZHONGYAOJUCUO,YOULIYUBUQIZHIDUDUANBAN,FANGFANJINRONGFENGXIAN、TISHENGJINRONGFUWUZHIXIAO。XIAYIBU,YINBAOJIANHUIJIANGJIAQIANGDUCUZHIDAO,ZUOHAO《BANFA》GUANCHELUOSHIGONGZUO,TUIJINSHANGYEYINXINGHULIANWANGDAIKUANYEWUJIANKANGFAZHAN。

以下为原文及答记者问:

商业银行互联网贷款管理暂行办法

第一章 总则

DIYITIAO WEIGUIFANSHANGYEYINXINGHULIANWANGDAIKUANYEWUJINGYINGXINGWEI,CUJINHULIANWANGDAIKUANYEWUJIANKANGFAZHAN,YIJU《ZHONGHUARENMINGONGHEGUOYINXINGYEJIANDUGUANLIFA》《ZHONGHUARENMINGONGHEGUOSHANGYEYINXINGFA》DENGFALVFAGUI,ZHIDINGBENBANFA。

DIERTIAO ZHONGHUARENMINGONGHEGUOJINGNEIYIFASHELIDESHANGYEYINXINGJINGYINGHULIANWANGDAIKUANYEWU,YINGZUNSHOUBENBANFA。

DISANTIAO BENBANFASUOCHENGHULIANWANGDAIKUAN,SHIZHISHANGYEYINXINGYUNYONGHULIANWANGHEYIDONGTONGXINDENGXINXITONGXINJISHU,JIYUFENGXIANSHUJUHEFENGXIANMOXINGJINXINGJIAOCHAYANZHENGHEFENGXIANGUANLI,XIANSHANGZIDONGSHOULIDAIKUANSHENQINGJIKAIZHANFENGXIANPINGGU,BINGWANCHENGSHOUXINSHENPI、HETONGQIANDING、DAIKUANZHIFU、DAIHOUGUANLIDENGHEXINYEWUHUANJIECAOZUO,WEIFUHETIAOJIANDEJIEKUANRENTIGONGDEYONGYUXIAOFEI、RICHANGSHENGCHANJINGYINGZHOUZHUANDENGDEGERENDAIKUANHELIUDONGZIJINDAIKUAN。

DISITIAO BENBANFASUOCHENGFENGXIANSHUJU,SHIZHISHANGYEYINXINGZAIDUIJIEKUANRENJINXINGSHENFENQUEREN,YIJIDAIKUANFENGXIANSHIBIE、FENXI、PINGJIA、JIANCE、YUJINGHECHUZHIDENGHUANJIESHOUJI、SHIYONGDEGELEINEIWAIBUSHUJU。

BENBANFASUOCHENGFENGXIANMOXING,SHIZHIYINGYONGYUHULIANWANGDAIKUANYEWUQUANLIUCHENGDEGELEIMOXING,BAOKUODANBUXIANYUSHENFENRENZHENGMOXING、FANQIZHAMOXING、FANXIQIANMOXING、HEGUIMOXING、FENGXIANPINGJIAMOXING、FENGXIANDINGJIAMOXING、SHOUXINSHENPIMOXING、FENGXIANYUJINGMOXING、DAIKUANQINGSHOUMOXINGDENG。

BENBANFASUOCHENGHEZUOJIGOU,SHIZHIZAIHULIANWANGDAIKUANYEWUZHONG,YUSHANGYEYINXINGZAIYINGXIAOHUOKE、GONGTONGCHUZIFAFANGDAIKUAN、ZHIFUJIESUAN、FENGXIANFENDAN、XINXIKEJI、YUQIQINGSHOUDENGFANGMIANKAIZHANHEZUODEGELEIJIGOU,BAOKUODANBUXIANYUYINXINGYEJINRONGJIGOU、BAOXIANGONGSIDENGJINRONGJIGOUHEXIAOEDAIKUANGONGSI、RONGZIDANBAOGONGSI、DIANZISHANGWUGONGSI、FEIYINXINGZHIFUJIGOU、XINXIKEJIGONGSIDENGFEIJINRONGJIGOU。

DIWUTIAO XIALIEDAIKUANBUSHIYONGBENBANFA:

(YI)JIEKUANRENSUIZAIXIANSHANGJINXINGDAIKUANSHENQINGDENGCAOZUO,SHANGYEYINXINGXIANXIAHUOZHUYAOTONGGUOXIANXIAJINXINGDAIQIANDIAOCHA、FENGXIANPINGGUHESHOUXINSHENPI,DAIKUANSHOUXINHEXINPANDUANLAIYUANYUXIANXIADEDAIKUAN;

(ER)SHANGYEYINXINGFAFANGDEDIZHIYADAIKUAN,QIEYAPINXUJINXINGXIANXIAHUOZHUYAOJINGGUOXIANXIAPINGGUDENGJIHEJIAOFUBAOGUAN;

(SAN)ZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUIGUIDINGDEQITADAIKUAN。

SHANGSHUDAIKUANSHIYONGQITAXIANGGUANJIANGUANGUIDING。

DILIUTIAO HULIANWANGDAIKUANYINGDANGZUNXUNXIAOE、DUANQI、GAOXIAOHEFENGXIANKEKONGDEYUANZE。

DANHUYONGYUXIAOFEIDEGERENXINYONGDAIKUANSHOUXINEDUYINGDANGBUCHAOGUORENMINBI20WANYUAN,DAOQIYICIXINGHAIBENDE,SHOUXINQIXIANBUCHAOGUOYINIAN。ZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUIKEYIGENJUSHANGYEYINXINGDEJINGYINGGUANLIQINGKUANG、FENGXIANSHUIPINGHEHULIANWANGDAIKUANYEWUKAIZHANQINGKUANGDENGDUISHANGSHUEDUJINXINGDIAOZHENG。SHANGYEYINXINGYINGZAISHANGSHUGUIDINGEDUNEI,GENJUBENXINGKEQUNTEZHENG、KEQUNXIAOFEICHANGJINGDENG,ZHIDINGCHAYIHUASHOUXINEDU。

SHANGYEYINXINGYINGGENJUZISHENFENGXIANGUANLINENGLI,ANZHAOHULIANWANGDAIKUANDEQUYU、XINGYE、PINZHONGDENG,QUEDINGDANHUYONGYUSHENGCHANJINGYINGDEGERENDAIKUANHELIUDONGZIJINDAIKUANSHOUXINEDUSHANGXIAN。DUIQIXIANCHAOGUOYINIANDESHANGSHUDAIKUAN,ZHISHAOMEINIANDUIGAIBIDAIKUANDUIYINGDESHOUXINJINXINGZHONGXINPINGGUHESHENPI。

DIQITIAO SHANGYEYINXINGYINGDANGGENJUQISHICHANGDINGWEIHEFAZHANZHANLVE,ZHIDINGFUHEZISHENTEDIANDEHULIANWANGDAIKUANYEWUGUIHUA。SHEJIHEZUOJIGOUDE,YINGDANGMINGQUEHEZUOFANGSHI。

DIBATIAO SHANGYEYINXINGYINGDANGDUIHULIANWANGDAIKUANYEWUSHIXINGTONGYIGUANLI,JIANGHULIANWANGDAIKUANYEWUNARUQUANMIANFENGXIANGUANLITIXI,JIANLIJIANQUANSHIYINGHULIANWANGDAIKUANYEWUTEDIANDEFENGXIANZHILIJIAGOU、FENGXIANGUANLIZHENGCEHECHENGXU、NEIBUKONGZHIHESHENJITIXI,YOUXIAOSHIBIE、PINGGU、JIANCEHEKONGZHIHULIANWANGDAIKUANYEWUFENGXIAN,QUEBAOHULIANWANGDAIKUANYEWUFAZHANYUZISHENFENGXIANPIANHAO、FENGXIANGUANLINENGLIXIANGSHIYING。

HULIANWANGDAIKUANYEWUSHEJIHEZUOJIGOUDE,SHOUXINSHENPI、HETONGQIANDINGDENGHEXINFENGKONGHUANJIEYINGDANGYOUSHANGYEYINXINGDULIYOUXIAOKAIZHAN。

DIJIUTIAO DIFANGFARENYINXINGKAIZHANHULIANWANGDAIKUANYEWU,YINGZHUYAOFUWUYUDANGDIKEHU,SHENSHENKAIZHANKUAZHUCEDIXIAQUYEWU,YOUXIAOSHIBIEHEJIANCEKUAZHUCEDIXIAQUYEWUKAIZHANQINGKUANG。WUSHITIJINGYINGWANGDIAN,YEWUZHUYAOZAIXIANSHANGKAIZHAN,QIEFUHEZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUIQITAGUIDINGTIAOJIANDECHUWAI。

ZAIWAISHENG(ZIZHIQU、ZHIXIASHI)SHELIFENZHIJIGOUDE,DUIFENZHIJIGOUSUOZAIDIXINGZHENGQUYUNEIKEHUKAIZHANDEYEWU,BUSHUYUQIANKUANSUOCHENGKUAZHUCEDIXIAQUYEWU。

DISHITIAO SHANGYEYINXINGYINGDANGJIANLIJIANQUANJIEKUANRENQUANYIBAOHUJIZHI,WANSHANXIAOFEIZHEQUANYIBAOHUNEIBUKAOHETIXI,QIESHICHENGDANJIEKUANRENSHUJUBAOHUDEZHUTIZEREN,JIAQIANGJIEKUANRENYINSISHUJUBAOHU,GOUJIANANQUANYOUXIAODEYEWUZIXUNHETOUSUCHULIQUDAO,QUEBAOJIEKUANRENXIANGYOUBUDIYUXIANXIADAIKUANYEWUDEXIANGYINGFUWU,JIANGXIAOFEIZHEBAOHUYAOQIUQIANRUHULIANWANGDAIKUANYEWUQUANLIUCHENGGUANLITIXI。

DISHIYITIAO ZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUIJIQIPAICHUJIGOU(YIXIAJIANCHENGYINXINGYEJIANDUGUANLIJIGOU)YIZHAOBENBANFADUISHANGYEYINXINGHULIANWANGDAIKUANYEWUSHISHIJIANDUGUANLI。

第二章 风险管理体系

DISHIERTIAO SHANGYEYINXINGYINGDANGJIANLIJIANQUANHULIANWANGDAIKUANFENGXIANZHILIJIAGOU,MINGQUEDONGSHIHUIHEGAOJIGUANLICENGDUIHULIANWANGDAIKUANFENGXIANGUANLIDEZHIZE,JIANLIKAOHEHEWENZEJIZHI。

DISHISANTIAO SHANGYEYINXINGDONGSHIHUICHENGDANHULIANWANGDAIKUANFENGXIANGUANLIDEZUIZHONGZEREN,YINGDANGLVXINGYIXIAZHIZE:

(YI)SHENYIPIZHUNHULIANWANGDAIKUANYEWUGUIHUA、HEZUOJIGOUGUANLIZHENGCEYIJIKUAQUYUJINGYINGGUANLIZHENGCE;

(ER)SHENYIPIZHUNHULIANWANGDAIKUANFENGXIANGUANLIZHIDU;

(SAN)JIANDUGAOJIGUANLICENGDUIHULIANWANGDAIKUANFENGXIANSHISHIGUANLIHEKONGZHI;

(SI)DINGQIHUOQUHULIANWANGDAIKUANYEWUPINGGUBAOGAO,JISHILEJIEHULIANWANGDAIKUANYEWUJINGYINGGUANLI、FENGXIANSHUIPING、XIAOFEIZHEBAOHUDENGQINGKUANG;

(WU)QITAYOUGUANZHIZE。

DISHISITIAO SHANGYEYINXINGGAOJIGUANLICENGYINGDANGLVXINGYIXIAZHIZE:

(YI)QUEDINGHULIANWANGDAIKUANJINGYINGGUANLIJIAGOU,MINGQUEGEBUMENZHIZEFENGONG;

(ER)ZHIDING、PINGGUHEJIANDUZHIXINGHULIANWANGDAIKUANYEWUGUIHUA、FENGXIANGUANLIZHENGCEHECHENGXU,HEZUOJIGOUGUANLIZHENGCEHECHENGXUYIJIKUAQUYUJINGYINGGUANLIZHENGCE;

(SAN)ZHIDINGHULIANWANGDAIKUANYEWUDEFENGXIANGUANKONGZHIBIAO,BAOKUODANBUXIANYUHULIANWANGDAIKUANXIANE、YUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANDEXIANEJICHUZIBILI、HEZUOJIGOUJIZHONGDU、BULIANGDAIKUANLVDENG;

(SI)JIANLIHULIANWANGDAIKUANYEWUDEFENGXIANGUANLIJIZHI,CHIXUYOUXIAOJIANCE、KONGZHIHEBAOGAOGELEIFENGXIAN,JISHIYINGDUIFENGXIANSHIJIAN;

(WU)CHONGFENLEJIEBINGDINGQIPINGGUHULIANWANGDAIKUANYEWUFAZHANQINGKUANG、FENGXIANSHUIPINGJIGUANLIZHUANGKUANG、XIAOFEIZHEBAOHUQINGKUANG,JISHILEJIEQIZHONGDABIANHUA,BINGXIANGDONGSHIHUIDINGQIBAOGAO;

(LIU)QITAYOUGUANZHIZE。

DISHIWUTIAO SHANGYEYINXINGYINGDANGQUEBAOJUYOUZUGOUDEZIYUAN,DULI、YOUXIAOKAIZHANHULIANWANGDAIKUANFENGXIANGUANLI,QUEBAODONGSHIHUIHEGAOJIGUANLICENGNENGJISHIZHIXIFENGXIANZHUANGKUANG,ZHUNQUELIJIEFENGXIANSHUJUHEFENGXIANMOXINGDEZUOYONGYUJUXIAN。

DISHILIUTIAO SHANGYEYINXINGHULIANWANGDAIKUANFENGXIANGUANLIZHIDUYINGDANGHANGAIYINGXIAO、DIAOCHA、SHOUXIN、QIANYUE、FANGKUAN、ZHIFU、GENZONG、SHOUHUIDENGDAIKUANYEWUQUANLIUCHENG。

DISHIQITIAO SHANGYEYINXINGYINGDANGTONGGUOHEFAQUDAOHEFANGSHIHUOQUMUBIAOKEHUSHUJU,KAIZHANDAIKUANYINGXIAO,BINGCHONGFENPINGGUMUBIAOKEHUDEZIJINXUQIU、HAIKUANYIYUANHEHAIKUANNENGLI。SHANGYEYINXINGYINGDANGZAIDAIKUANSHENQINGLIUCHENGZHONG,JIARUQIANGZHIYUEDUDAIKUANHETONGHUANJIE,BINGSHEZHIHELIDEYUEDUSHIJIANXIANZHI。

SHANGYEYINXINGZISHENHUOTONGGUOHEZUOJIGOUXIANGMUBIAOKEHUTUIJIEHULIANWANGDAIKUANCHANPINSHI,YINGDANGZAIXINGMUWEIZHICHONGFENPILUDAIKUANZHUTI、DAIKUANTIAOJIAN、SHIJINIANLILV、NIANHUAZONGHEZIJINCHENGBEN、HAIBENFUXIANPAI、YUQIQINGSHOU、ZIXUNTOUSUQUDAOHEWEIYUEZERENDENGJIBENXINXI,BAOZHANGKEHUDEZHIQINGQUANHEZIZHUXUANZEQUAN,BUDECAIQUMORENGOUXUAN、QIANGZHIKUNBANGXIAOSHOUDENGFANGSHIBODUOXIAOFEIZHEYIYUANBIAODADEQUANLI。

DISHIBATIAO SHANGYEYINXINGYINGDANGANZHAOFANXIQIANHEFANKONGBURONGZIDENGYAOQIU,TONGGUOGOUJIANSHENFENRENZHENGMOXING,CAIQULIANWANGHECHA、SHENGWUSHIBIEDENGYOUXIAOCUOSHISHIBIEKEHU,XIANSHANGDUIJIEKUANRENDESHENFENSHUJU、JIEKUANYIYUANJINXINGHEYANBINGLIUCUN,QUEBAOJIEKUANRENDESHENFENSHUJUZHENSHIYOUXIAO,JIEKUANRENDEYISIBIAOSHIZHENSHI。SHANGYEYINXINGDUIJIEKUANRENDESHENFENHEYANBUDEQUANQUANWEITUOHEZUOJIGOUBANLI。

DISHIJIUTIAO SHANGYEYINXINGYINGDANGJIANLIYOUXIAODEFANQIZHAJIZHI,SHISHIJIANCEQIZHAXINGWEI,DINGQIFENXIQIZHAFENGXIANBIANHUAQINGKUANG,BUDUANWANSHANFANQIZHADEMOXINGSHENHEGUIZEHEXIANGGUANJISHUSHOUDUAN,FANGFANMAOCHONGTARENSHENFEN、EYIPIANQUYINXINGDAIKUANDEXINGWEI,BAOZHANGXINDAIZIJINANQUAN。

DIERSHITIAO SHANGYEYINXINGYINGDANGZAIHUODESHOUQUANHOUCHAXUNJIEKUANRENDEZHENGXINXINXI,TONGGUOHEFAQUDAOHESHOUDUANXIANSHANGSHOUJI、CHAXUNHEYANZHENGJIEKUANRENXIANGGUANDINGXINGHEDINGLIANGXINXI,KEYIBAOKUODANBUXIANYUSHUIWU、SHEHUIBAOXIANJIJIN、ZHUFANGGONGJIJINDENGXINXI,QUANMIANLEJIEJIEKUANRENXINYONGZHUANGKUANG。

DIERSHIYITIAO SHANGYEYINXINGYINGDANGGOUJIANYOUXIAODEFENGXIANPINGGU、SHOUXINSHENPIHEFENGXIANDINGJIAMOXING,JIAQIANGTONGYISHOUXINGUANLI,YUNYONGFENGXIANSHUJU,JIEHEJIEKUANRENYIYOUZHAIWUQINGKUANG,SHENSHENPINGGUJIEKUANRENHAIKUANNENGLI,QUEDINGJIEKUANRENXINYONGDENGJIHESHOUXINFANGAN。

DIERSHIERTIAO SHANGYEYINXINGYINGDANGJIANLIRENGONGFUHEYANZHENGJIZHI,ZUOWEIDUIFENGXIANMOXINGZIDONGSHENPIDEBIYAOBUCHONG。SHANGYEYINXINGYINGDANGMINGQUERENGONGFUHEYANZHENGDECHUFATIAOJIAN,HELISHEZHIRENGONGFUHEYANZHENGDECAOZUOGUICHENG。

DIERSHISANTIAO SHANGYEYINXINGYINGDANGYUJIEKUANRENJIQITADANGSHIRENCAIYONGSHUJUDIANWENXINGSHIQIANDINGJIEKUANHETONGJIQITAWENSHU。JIEKUANHETONGJIQITAWENSHUYINGDANGFUHE《ZHONGHUARENMINGONGHEGUOHETONGFA》《ZHONGHUARENMINGONGHEGUODIANZIQIANMINGFA》DENGFALVFAGUIDEGUIDING。

DIERSHISITIAO SHANGYEYINXINGYINGDANGYUJIEKUANRENYUEDINGMINGQUE、HEFADEDAIKUANYONGTU。DAIKUANZIJINBUDEYONGYUYIXIASHIXIANG:

(YI)GOUFANGJICHANGHAIZHUFANGDIYADAIKUAN;

(ER)GUPIAO、ZHAIQUAN、QIHUO、JINRONGYANSHENGCHANPINHEZICHANGUANLICHANPINDENGTOUZI;

(SAN)GUDINGZICHAN、GUBENQUANYIXINGTOUZI;

(SI)FALVFAGUIJINZHIDEQITAYONGTU。

DIERSHIWUTIAO SHANGYEYINXINGYINGDANGANZHAOXIANGGUANFALVFAGUIDEYAOQIU,CHUCUN、CHUANDI、GUIDANGYISHUJUDIANWENXINGSHIQIANDINGDEJIEKUANHETONG、XINDAILIUCHENGGUANJIANHUANJIEHEJIEDIANDESHUJU。YIQIANDINGDEJIEKUANHETONGJIXIANGGUANSHUJUYINGKEGONGJIEKUANRENSUISHIDIAOQUCHAYONG。

DIERSHILIUTIAO SHOUXINYUSHOUBIDAIKUANFAFANGSHIJIANJIANGECHAOGUO1GEYUEDE,SHANGYEYINXINGYINGDANGZAIDAIKUANFAFANGQIANDUIJIEKUANRENXINYONGZHUANGKUANGJINXINGZAIPINGGU,GENJUJIEKUANRENTEZHENG、DAIKUANJINE,QUEDINGGENZONGQIXINDAIJILUDEPINLV,YIBAOZHENGJISHIHUOQUQIQUANMIANXINYONGZHUANGKUANG。

DIERSHIQITIAO SHANGYEYINXINGYINGDANGANZHAOJIEKUANHETONGYUEDING,DUIDAIKUANZIJINDEZHIFUJINXINGGUANLIYUKONGZHI,DAIKUANZHIFUYINGYOUJUYOUHEFAZHIFUYEWUZIZHIDEJIGOUZHIXING。SHANGYEYINXINGYINGJIAQIANGDUIZHIFUZHANGHUDEJIANCEHEDUIZHANGGUANLI,FAXIANFENGXIANYINHUANDE,YINGLIJIYUJINGBINGCAIQUXIANGGUANCUOSHI。CAIYONGZIZHUZHIFUFANGSHIDE,YINGDANGGENJUJIEKUANRENGUOWANGXINGWEISHUJU、JIAOYISHUJUHEXINYONGSHUJUDENG,QUEDINGDANRIDAIKUANZHIFUXIANE。

DIERSHIBATIAO SHANGYEYINXINGYINGZUNSHOU《GERENDAIKUANGUANLIZANXINGBANFA》HE《LIUDONGZIJINDAIKUANGUANLIZANXINGBANFA》DESHOUTUOZHIFUGUANLIGUIDING,TONGSHIGENJUZISHENFENGXIANGUANLISHUIPING、HULIANWANGDAIKUANDEGUIMOHEJIEGOU、YINGYONGCHANGJING、ZENGXINSHOUDUANDENGQUEDINGCHAYIHUADESHOUTUOZHIFUXIANE。

DIERSHIJIUTIAO SHANGYEYINXINGYINGDANGTONGGUOJIANLIFENGXIANJIANCEYUJINGMOXING,DUIJIEKUANRENCAIWU、XINYONG、JINGYINGDENGQINGKUANGJINXINGJIANCE,SHEZHIHELIDEYUJINGZHIBIAOYUYUJINGCHUFATIAOJIAN,JISHIFACHUYUJINGXINHAO,BIYAOSHIYINGTONGGUORENGONGHECHAZUOWEIBUCHONGSHOUDUAN。

DISANSHITIAO SHANGYEYINXINGYINGDANGCAIQUSHIDANGFANGSHIDUIDAIKUANYONGTUJINXINGJIANCE,FAXIANJIEKUANRENWEIFANFALVFAGUIHUOWEIANZHAOYUEDINGYONGTUSHIYONGDAIKUANZIJINDE,YINGDANGANZHAOHETONGYUEDINGTIQIANSHOUHUIDAIKUAN,BINGZHUIJIUJIEKUANRENXIANGYINGZEREN。

DISANSHIYITIAO SHANGYEYINXINGYINGDANGWANSHANNEIBUSHENJITIXI,DULIKEGUANKAIZHANNEIBUSHENJI,SHENCHAPINGJIA、DUCUGAISHANHULIANWANGDAIKUANYEWUJINGYING、FENGXIANGUANLIHENEIKONGHEGUIXIAOGUO。YINXINGYEJIANDUGUANLIJIGOUKEYIYAOQIUSHANGYEYINXINGTIJIAOHULIANWANGDAIKUANZHUANXIANGNEIBUSHENJIBAOGAO。

DISANSHIERTIAO HULIANWANGDAIKUANXINGCHENGBULIANGDE,SHANGYEYINXINGYINGDANGANZHAOQIXINGZHIJISHIZHIDINGCHAYIHUADECHUZHIFANGAN,TISHENGCHUZHIXIAOLV。

第三章 风险数据和风险模型管理

DISANSHISANTIAO SHANGYEYINXINGJINXINGJIEKUANRENSHENFENYANZHENG、DAIQIANDIAOCHA、FENGXIANPINGGUHESHOUXINSHENCHA、DAIHOUGUANLISHI,YINGDANGZHISHAOBAOHANJIEKUANRENXINGMING、SHENFENZHENGHAO、LIANXIDIANHUA、YINXINGZHANGHUYIJIQITAKAIZHANFENGXIANPINGGUSUOBIXUDEJIBENXINXI。RUGUOXUYAOCONGHEZUOJIGOUHUOQUJIEKUANRENFENGXIANSHUJU,YINGTONGGUOSHIDANGFANGSHIQUERENHEZUOJIGOUDESHUJULAIYUANHEFAHEGUI、ZHENSHIYOUXIAO,DUIWAITIGONGSHUJUBUWEIFANFALVFAGUIYAOQIU,BINGYIHUODEXINXIZHUTIBENRENDEMINGQUESHOUQUAN。SHANGYEYINXINGBUDEYUWEIGUISHOUJIHESHIYONGGERENXINXIDEDISANFANGKAIZHANSHUJUHEZUO。

DISANSHISITIAO SHANGYEYINXINGSHOUJI、SHIYONGJIEKUANRENFENGXIANSHUJUYINGDANGZUNXUNHEFA、BIYAO、YOUXIAODEYUANZE,BUDEWEIFANFALVFAGUIHEJIEDAISHUANGFANGYUEDING,BUDEJIANGFENGXIANSHUJUYONGYUCONGSHIYUDAIKUANYEWUWUGUANHUOYOUSUNJIEKUANRENHEFAQUANYIDEHUODONG,BUDEXIANGDISANFANGTIGONGJIEKUANRENFENGXIANSHUJU,FALVFAGUILINGYOUGUIDINGDECHUWAI。

DISANSHIWUTIAO SHANGYEYINXINGYINGDANGJIANLIFENGXIANSHUJUANQUANGUANLIDECELVEYUBIAOZHUN,CAIQUYOUXIAOJISHUCUOSHI,BAOZHANGJIEKUANRENFENGXIANSHUJUZAICAIJI、CHUANSHU、CUNCHU、CHULIHEXIAOHUIGUOCHENGZHONGDEANQUAN,FANGFANSHUJUXIELOU、DIUSHIHUOBEICUANGAIDEFENGXIAN。

DISANSHILIUTIAO SHANGYEYINXINGYINGDANGDUIFENGXIANSHUJUJINXINGBIYAODECHULI,YIMANZUFENGXIANMOXINGDUISHUJUJINGQUEXING、WANZHENGXING、YIZHIXING、SHIXIAOXING、YOUXIAOXINGDENGDEYAOQIU。

DISANSHIQITIAO SHANGYEYINXINGYINGDANGHELIFENPEIFENGXIANMOXINGKAIFACESHI、PINGSHEN、JIANCE、TUICHUDENGHUANJIEDEZHIZEHEQUANXIAN,ZUODAOFENGONGMINGQUE、ZERENQINGXI。SHANGYEYINXINGBUDEJIANGSHANGSHUFENGXIANMOXINGDEGUANLIZHIZEWAIBAO,BINGYINGDANGJIAQIANGFENGXIANMOXINGDEBAOMIGUANLI。

DISANSHIBATIAO SHANGYEYINXINGYINGDANGJIEHEDAIKUANCHANPINTEDIAN、MUBIAOKEHUTEZHENG、FENGXIANSHUJUHEFENGXIANGUANLICELVEDENGYINSU,XUANZEHESHIDEJISHUBIAOZHUNHEJIANMOFANGFA,KEXUESHEZHIMOXINGCANSHU,GOUJIANFENGXIANMOXING,BINGCESHIZAIZHENGCHANGHEYALIQINGJINGXIAMOXINGDEYOUXIAOXINGHEWENDINGXING。

DISANSHIJIUTIAO SHANGYEYINXINGYINGDANGJIANLIFENGXIANMOXINGPINGSHENJIZHI,CHENGLIMOXINGPINGSHENWEIYUANHUIFUZEFENGXIANMOXINGPINGSHENGONGZUO。FENGXIANMOXINGPINGSHENYINGDANGDULIYUFENGXIANMOXINGKAIFA,PINGSHENGONGZUOYINGDANGZHONGDIANGUANZHUFENGXIANMOXINGYOUXIAOXINGHEWENDINGXING,QUEBAOYUYINXINGSHOUXINSHENPITIAOJIANHEFENGXIANKONGZHIBIAOZHUNXIANGYIZHI。JINGPINGSHENTONGGUOHOUFENGXIANMOXINGFANGKESHANGXIANYINGYONG。

DISISHITIAO SHANGYEYINXINGYINGDANGJIANLIYOUXIAODEFENGXIANMOXINGRICHANGJIANCETIXI,JIANCEZHISHAOBAOKUOYISHANGXIANFENGXIANMOXINGDEYOUXIAOXINGYUWENDINGXING,SUOYOUJINGMOXINGSHENPITONGGUODAIKUANDESHIJIWEIYUEQINGKUANGDENG。JIANCEFAXIANMOXINGQUEXIANHUOZHEYIBUFUHEMOXINGSHEJIMUBIAODE,YINGDANGBAOZHENGNENGJISHITISHIFENGXIANMOXINGKAIFAHECESHIBUMENHUOTUANDUIJINXINGZHONGXINCESHI、YOUHUA,YIBAOZHENGFENGXIANMOXINGCHIXUSHIYINGFENGXIANGUANLIYAOQIU。

DISISHIYITIAO SHANGYEYINXINGYINGDANGJIANLIFENGXIANMOXINGTUICHUCHUZHIJIZHI。DUIYUWUFAJIXUMANZUFENGXIANGUANLIYAOQIUDEFENGXIANMOXING,YINGDANGLIJITINGZHISHIYONG,BINGJISHICAIQUXIANGYINGCUOSHI,XIAOCHUMOXINGTUICHUJIDAIKUANFENGXIANGUANLIDAILAIDEBULIYINGXIANG。

DISISHIERTIAO SHANGYEYINXINGYINGDANGQUANMIANJILUFENGXIANMOXINGKAIFAZHITUICHUDEQUANGUOCHENG,BINGJINXINGWENDANGHUAGUIDANGHEGUANLI,GONGBENXINGHEYINXINGYEJIANDUGUANLIJIGOUSUISHICHAYUE。

第四章 信息科技风险管理

DISISHISANTIAO SHANGYEYINXINGYINGDANGJIANLIANQUAN、HEGUI、GAOXIAOHEKEKAODEHULIANWANGDAIKUANXINXIXITONG,YIMANZUHULIANWANGDAIKUANYEWUJINGYINGHEFENGXIANGUANLIXUYAO。

DISISHISITIAO SHANGYEYINXINGYINGDANGZHUZHONGTIGAOHULIANWANGDAIKUANXINXIXITONGDEKEYONGXINGHEKEKAOXING,JIAQIANGDUIHULIANWANGDAIKUANXINXIXITONGDEANQUANYUNYINGGUANLIHEWEIHU,DINGQIKAIZHANANQUANCESHIHEYALICESHI,QUEBAOXITONGANQUAN、WENDING、CHIXUYUNXING。

DISISHIWUTIAO SHANGYEYINXINGYINGDANGCAIQUBIYAODEWANGLUOANQUANFANGHUCUOSHI,JIAQIANGWANGLUOFANGWENKONGZHIHEXINGWEIJIANCE,YOUXIAOFANGFANWANGLUOGONGJIDENGWEIXIE。YUHEZUOJIGOUSHEJISHUJUJIAOHUXINGWEIDE,YINGDANGCAIQUQIESHICUOSHI,SHIXIANMINGANSHUJUDEYOUXIAOGELI,BAOZHENGSHUJUJIAOHUZAIANQUAN、HEGUIDEHUANJINGXIAJINXING。

DISISHILIUTIAO SHANGYEYINXINGYINGDANGJIAQIANGDUIBUSHUZAIJIEKUANRENYIFANGDEHULIANWANGDAIKUANXINXIXITONGKEHUDUANCHENGXU(BAOKUODANBUXIANYULIULANQICHAJIANCHENGXU、ZHUOMIANKEHUDUANCHENGXUHEYIDONGKEHUDUANCHENGXUDENG)DEANQUANJIAGU,TIGAOKEHUDUANCHENGXUDEFANGGONGJI、FANGRUQIN、FANGCUANGAI、KANGFANBIANYIDENGANQUANNENGLI。

DISISHIQITIAO SHANGYEYINXINGYINGDANGCAIYONGYOUXIAOJISHUSHOUDUAN,BAOZHANGJIEKUANRENSHUJUANQUAN,QUEBAOSHANGYEYINXINGYUJIEKUANREN、HEZUOJIGOUZHIJIANCHUANSHUSHUJU、QIANDINGHETONG、JILUJIAOYIDENGGEGEHUANJIESHUJUDEBAOMIXING、WANZHENGXING、ZHENSHIXINGHEKANGDILAIXING,BINGZUOHAODINGQISHUJUBEIFENGONGZUO。

DISISHIBATIAO SHANGYEYINXINGYINGDANGCHONGFENPINGGUHEZUOJIGOUDEXINXIXITONGFUWUNENGLI、KEKAOXINGHEANQUANXINGYIJIMINGANSHUJUDEANQUANBAOHUNENGLI,KAIZHANLIANHEYANLIANHECESHI,JIAQIANGHETONGYUESHU。

SHANGYEYINXINGMEINIANYINGDUIYUHEZUOJIGOUDESHUJUJIAOHUJINXINGXINXIKEJIFENGXIANPINGGU,BINGXINGCHENGFENGXIANPINGGUBAOGAO,QUEBAOBUYINHEZUOERJIANGDISHANGYEYINXINGXINXIXITONGDEANQUANXING,QUEBAOYEWULIANXUXING。

第五章 贷款合作管理

DISISHIJIUTIAO SHANGYEYINXINGYINGDANGJIANLIFUGAIGELEIHEZUOJIGOUDEQUANXINGTONGYIDEZHUNRUJIZHI,MINGQUEXIANGYINGBIAOZHUNHECHENGXU,BINGSHIXINGMINGDANZHIGUANLI。

SHANGYEYINXINGYINGGENJUHEZUONEIRONG、DUIKEHUDEYINGXIANGFANWEIHECHENGDU、DUIYINXINGCAIWUWENJIANXINGDEYINGXIANGCHENGDUDENG,DUIHEZUOJIGOUSHISHIFENCENGFENLEIGUANLI,BINGANZHAOQICENGJIHELEIBIEQUEDINGXIANGYINGSHENPIQUANXIAN。

DIWUSHITIAO SHANGYEYINXINGYINGDANGANZHAOHEZUOJIGOUZIZHIHEQICHENGDANDEZHINENGXIANGPIPEIDEYUANZE,DUIHEZUOJIGOUJINXINGZHUNRUQIANPINGGU,QUEBAOHEZUOJIGOUYUHEZUOSHIXIANGFUHEFALVFAGUIHEJIANGUANYAOQIU。

SHANGYEYINXINGYINGDANGZHUYAOCONGJINGYINGQINGKUANG、GUANLINENGLI、FENGKONGSHUIPING、JISHUSHILI、FUWUZHILIANG、YEWUHEGUIHEJIGOUSHENGYUDENGFANGMIANDUIHEZUOJIGOUJINXINGZHUNRUQIANPINGGU。XUANZEGONGTONGCHUZIFAFANGDAIKUANDEHEZUOJIGOU,HAIYINGZHONGDIANGUANZHUHEZUOFANGZIBENCHONGZUSHUIPING、GANGGANLV、LIUDONGXINGSHUIPING、BULIANGDAIKUANLV、DAIKUANJIZHONGDUJIQIBIANHUA,SHENSHENQUEDINGHEZUOJIGOUMINGDAN。

DIWUSHIYITIAO SHANGYEYINXINGYINGDANGYUHEZUOJIGOUQIANDINGSHUMIANHEZUOXIEYI。SHUMIANHEZUOXIEYIYINGDANGANZHAOSHOUYIHEFENGXIANXIANGPIPEIDEYUANZE,MINGQUEYUEDINGHEZUOFANWEI、CAOZUOLIUCHENG、GEFANGQUANZE、SHOUYIFENPEI、FENGXIANFENDAN、KEHUQUANYIBAOHU、SHUJUBAOMI、ZHENGYIJIEJUE、HEZUOSHIXIANGBIANGENGHUOZHONGZHIDEGUODUANPAI、WEIYUEZERENYIJIHEZUOJIGOUCHENGNUOPEIHESHANGYEYINXINGJIESHOUYINXINGYEJIANDUGUANLIJIGOUDEJIANCHABINGTIGONGYOUGUANXINXIHEZILIAODENGNEIRONG。

SHANGYEYINXINGYINGDANGZIZHUQUEDINGMUBIAOKEHUQUN、SHOUXINEDUHEDAIKUANDINGJIABIAOZHUN;SHANGYEYINXINGBUDEXIANGHEZUOJIGOUZISHENJIQIGUANLIANFANGZHIJIEHUOBIANXIANGJINXINGRONGZIYONGYUFANGDAI。CHUGONGTONGCHUZIFAFANGDAIKUANDEHEZUOJIGOUYIWAI,SHANGYEYINXINGBUDEJIANGDAIKUANFAFANG、BENXIHUISHOU、ZHIFUDENGGUANJIANHUANJIECAOZUOQUANQUANWEITUOHEZUOJIGOUZHIXING。SHANGYEYINXINGYINGDANGZAISHUMIANHEZUOXIEYIZHONGMINGQUEYAOQIUHEZUOJIGOUBUDEYIRENHEXINGSHIXIANGJIEKUANRENSHOUQUXIFEI,BAOXIANGONGSIHEYOUDANBAOZIZHIDEJIGOUCHUWAI。

DIWUSHIERTIAO SHANGYEYINXINGYINGDANGZAIXIANGGUANYEMIANXINGMUWEIZHIXIANGJIEKUANRENCHONGFENPILUZISHENYUHEZUOJIGOUXINXI、HEZUOLEICHANPINDEXINXI、ZISHENYUHEZUOGEFANGQUANLIZEREN,ANZHAOSHIDANGXINGYUANZECHONGFENJIESHIHEZUOYEWUFENGXIAN,BIMIANKEHUCHANSHENGPINPAIHUNTONG。

SHANGYEYINXINGYINGZAIJIEKUANHETONGHECHANPINYAOSUSHUOMINGJIEMIANDENGXIANGGUANYEMIANZHONG,YIXINGMUFANGSHIXIANGJIEKUANRENCHONGFENPILUHEZUOLEICHANPINDEDAIKUANZHUTI、SHIJINIANLILV、NIANHUAZONGHEZIJINCHENGBEN、HAIBENFUXIANPAI、YUQIQINGSHOU、ZIXUNTOUSUQUDAO、WEIYUEZERENDENGXINXI。SHANGYEYINXINGXUYAOXIANGJIEKUANRENHUOQUFENGXIANSHUJUSHOUQUANSHI,YINGZAIXIANSHANGXIANGGUANYEMIANXINGMUWEIZHITISHIJIEKUANRENXIANGXIYUEDUSHOUQUANSHUNEIRONG,BINGZAISHOUQUANSHUXINGMUWEIZHIPILUSHOUQUANFENGXIANSHUJUNEIRONGHEQIXIAN,QUEBAOJIEKUANRENWANCHENGSHOUQUANSHUYUEDUHOUQIANSHUTONGYI。

DIWUSHISANTIAO SHANGYEYINXINGYUQITAYOUDAIKUANZIZHIDEJIGOUGONGTONGCHUZIFAFANGHULIANWANGDAIKUANDE,YINGDANGJIANLIXIANGYINGDENEIBUGUANLIZHIDU,MINGQUEBENXINGYUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANDEGUANLIJIZHI,BINGZAIHEZUOXIEYIZHONGMINGQUEGEFANGDEQUANLIYIWUGUANXI。SHANGYEYINXINGYINGDANGDULIDUISUOCHUZIDEDAIKUANJINXINGFENGXIANPINGGUHESHOUXINSHENPI,BINGDUIDAIHOUGUANLICHENGDANZHUTIZEREN。SHANGYEYINXINGBUDEYIRENHEXINGSHIWEIWUFANGDAIYEWUZIZHIDEHEZUOJIGOUTIGONGZIJINYONGYUFAFANGDAIKUAN,BUDEYUWUFANGDAIYEWUZIZHIDEHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUAN。

SHANGYEYINXINGYINGDANGANZHAOSHIDUFENSANDEYUANZESHENSHENXUANZEHEZUOJIGOU,ZHIDINGYINHEZUOJIGOUDAOZHIYEWUZHONGDUANDEYINGJIYUHUIFUYUAN,BIMIANDUIDANYIHEZUOJIGOUGUOYUYILAIERCHANSHENGDEFENGXIAN。

DIWUSHISITIAO SHANGYEYINXINGYINGDANGCHONGFENKAOLVZISHENFAZHANZHANLVE、JINGYINGMOSHI、ZICHANFUZHAIJIEGOUHEFENGXIANGUANLINENGLI,JIANGYUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANZONGEANZHAOLINGSHOUDAIKUANZONGEHUOZHEDAIKUANZONGEXIANGYINGBILINARUXIANEGUANLI,BINGJIAQIANGGONGTONGCHUZIFAFANGDAIKUANHEZUOJIGOUDEJIZHONGDUFENGXIANGUANLI。SHANGYEYINXINGYINGDANGDUIDANBIDAIKUANCHUZIBILISHIXINGQUJIANGUANLI,YUHEZUOFANGHELIFENDANFENGXIAN。

DIWUSHIWUTIAO SHANGYEYINXINGBUDEJIESHOUWUDANBAOZIZHIHEBUFUHEXINYONGBAOXIANHEBAOZHENGBAOXIANJINGYINGZIZHIJIANGUANYAOQIUDEHEZUOJIGOUTIGONGDEZHIJIEHUOBIANXIANGZENGXINFUWU。SHANGYEYINXINGYUYOUDANBAOZIZHIHEFUHEXINYONGBAOXIANHEBAOZHENGBAOXIANJINGYINGZIZHIJIANGUANYAOQIUDEHEZUOJIGOUHEZUOSHIYINGDANGCHONGFENKAOLVSHANGSHUJIGOUDEZENGXINNENGLIHEJIZHONGDUFENGXIAN。SHANGYEYINXINGBUDEYINYINRUDANBAOZENGXINFANGSONGDUIDAIKUANZHILIANGGUANKONG。

DIWUSHILIUTIAO SHANGYEYINXINGBUDEWEITUOYOUBAOLICUISHOUDENGWEIFAWEIGUIJILUDEDISANFANGJIGOUJINXINGDAIKUANQINGSHOU。SHANGYEYINXINGYINGMINGQUEYUDISANFANGJIGOUDEQUANZE,YAOQIUQIBUDEDUIYUDAIKUANWUGUANDEDISANRENJINXINGQINGSHOU。SHANGYEYINXINGFAXIANHEZUOJIGOUCUNZAIBAOLICUISHOUDENGWEIFAWEIGUIXINGWEIDE,YINGDANGLIJIZHONGZHIHEZUO,BINGJIANGWEIFAWEIGUIXIANSUOJISHIYIJIAOXIANGGUANBUMEN。

DIWUSHIQITIAO SHANGYEYINXINGYINGDANGCHIXUDUIHEZUOJIGOUJINXINGGUANLI,JISHISHIBIE、PINGGUHEHUANSHIYINHEZUOJIGOUWEIYUEHUOJINGYINGSHIBAIDENGDAOZHIDEFENGXIAN。DUIHEZUOJIGOUYINGDANGZHISHAOMEINIANQUANMIANPINGGUYICI,FAXIANHEZUOJIGOUWUFAJIXUMANZUZHUNRUTIAOJIANDE,YINGDANGJISHIZHONGZHIHEZUOGUANXI,HEZUOJIGOUZAIHEZUOQIJIANYOUYANZHONGWEIFAWEIGUIXINGWEIDE,YINGDANGJISHIJIANGQILIERUBENXINGJINZHIHEZUOJIGOUMINGDAN。

第六章 监督管理

DIWUSHIBATIAO SHANGYEYINXINGSHOUCIKAIZHANHULIANWANGDAIKUANYEWUDE,YINGDANGYUCHANPINSHANGXIANHOU10GEGONGZUORINEI,XIANGQIJIANGUANJIGOUTIJIAOSHUMIANBAOGAO,NEIRONGBAOKUO:

(YI)YEWUGUIHUAQINGKUANG,BAOKUONIANDUJIZHONGZHANGQIHULIANWANGDAIKUANYEWUMOSHI、YEWUDUIXIANG、YEWULINGYU、DIYUFANWEIHEHEZUOJIGOUGUANLIDENG;

(ER)FENGXIANGUANKONGCUOSHI,BAOKUOHULIANWANGDAIKUANYEWUZHILIJIAGOUHEGUANLITIXI,HULIANWANGDAIKUANFENGXIANPIANHAO、FENGXIANGUANLIZHENGCEHECHENGXU,XINXIXITONGJIANSHEQINGKUANGJIXINXIKEJIFENGXIANPINGGU,FANXIQIAN、FANKONGBURONGZIZHIDU,HULIANWANGDAIKUANHEZUOJIGOUGUANLIZHENGCEHECHENGXU,HULIANWANGDAIKUANYEWUXIANE、YUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANDEXIANEJICHUZIBILI、HEZUOJIGOUJIZHONGDUDENGZHONGYAOFENGXIANGUANKONGZHIBIAO;

(SAN)SHANGXIANDEHULIANWANGDAIKUANCHANPINJIBENQINGKUANG,BAOKUOCHANPINHEGUIXINGPINGGU、CHANPINFENGXIANPINGGU,FENGXIANSHUJU、FENGXIANMOXINGGUANLIQINGKUANGYIJISHIFOUFUHEBENBANFAXIANGGUANYAOQIU;

(SI)XIAOFEIZHEQUANYIBAOHUJIQIPEITAOFUWUQINGKUANG;

(WU)YINXINGYEJIANDUGUANLIJIGOUYAOQIUTIGONGDEQITACAILIAO。

DIWUSHIJIUTIAO YINXINGYEJIANDUGUANLIJIGOUYINGDANGJIEHERICHANGJIANGUANQINGKUANGHESHANGYEYINXINGFENGXIANZHUANGKUANGDENG,DUISHANGYEYINXINGTIJIAODEBAOGAOHEXIANGGUANCAILIAOJINXINGPINGGU,ZHONGDIANPINGGU:

(YI)HULIANWANGDAIKUANYEWUGUIHUAYUZISHENYEWUDINGWEI、CHAYIHUAFAZHANZHANLVESHIFOUPIPEI;

(ER)SHIFOUDULIZHANGWOSHOUXINSHENPI、HETONGQIANDINGDENGHEXINFENGKONGHUANJIE;

(SAN)XINXIKEJIFENGXIANJICHUFANGFANCUOSHISHIFOUJIANQUAN;

(SI)SHANGXIANCHANPINDESHOUXINEDU、QIXIAN、FANGKUANKONGZHI、SHUJUBAOHU、HEZUOJIGOUGUANLIDENGSHIFOUFUHEBENBANFAYAOQIU;

(WU)XIAOFEIZHEQUANYIBAOHUSHIFOUQUANMIANYOUXIAO。

RUFAXIANBUFUHEBENBANFAYAOQIU,YINGDANGYAOQIUSHANGYEYINXINGXIANQIZHENGGAI、ZANTINGYEWUDENG。

DILIUSHITIAO SHANGYEYINXINGYINGDANGANZHAOBENBANFAYAOQIU,DUIHULIANWANGDAIKUANYEWUKAIZHANQINGKUANGJINXINGNIANDUPINGGU,BINGYUMEINIAN4YUE30RIQIANXIANGYINXINGYEJIANDUGUANLIJIGOUBAOSONGSHANGYINIANNIANDUPINGGUBAOGAO。NIANDUPINGGUBAOGAOBAOKUODANBUXIANYUYIXIANEIRONG:

(YI)YEWUJIBENQINGKUANG;

(ER)NIANDUYEWUJINGYINGGUANLIQINGKUANGFENXI;

(SAN)YEWUFENGXIANFENXIHEJIANGUANZHIBIAOBIAOXIANFENXI;

(SI)SHIBIE、JILIANG、JIANCE、KONGZHIFENGXIANDEZHUYAOFANGFAJIGAIJINQINGKUANG,XINXIKEJIFENGXIANFANGKONGCUOSHIDEYOUXIAOXING;

(WU)FENGXIANMOXINGDEJIANCEYUYANZHENGQINGKUANG;

(LIU)HEGUIGUANLIHENEIKONGGUANLIQINGKUANG;

(QI)TOUSUJICHULIQINGKUANG;

(BA)XIAYINIANDUYEWUFAZHANGUIHUA;

(JIU)YINXINGYEJIANDUGUANLIJIGOUYAOQIUBAOGAODEQITASHIXIANG。

DILIUSHIYITIAO HULIANWANGDAIKUANDEFENGXIANZHILIJIAGOU、FENGXIANGUANLICELVEHECHENGXU、SHUJUZHILIANGKONGZHIJIZHI、GUANLIXINXIXITONGHEHEZUOJIGOUGUANLIDENGZAIJINGYINGQIJIANFASHENGZHONGDADIAOZHENGDE,SHANGYEYINXINGYINGDANGZAIDIAOZHENGHOUDE10GEGONGZUORINEIXIANGYINXINGYEJIANDUGUANLIJIGOUSHUMIANBAOGAODIAOZHENGQINGKUANG。

DILIUSHIERTIAO YINXINGYEJIANDUGUANLIJIGOUKEYIGENJUSHANGYEYINXINGDEJINGYINGGUANLIQINGKUANG、FENGXIANSHUIPINGHEHULIANWANGDAIKUANYEWUKAIZHANQINGKUANGDENGDUISHANGYEYINXINGYUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANDECHUZIBILIJIXIANGGUANJIZHONGDUFENGXIAN、KUAZHUCEDIXIAQUYEWUDENGTICHUXIANGGUANSHENSHENXINGJIANGUANYAOQIU。

DILIUSHISANTIAO YINXINGYEJIANDUGUANLIJIGOUKEYITONGGUOFEIXIANCHANGJIANGUAN、XIANCHANGJIANCHADENGFANGSHI,SHISHIDUISHANGYEYINXINGHULIANWANGDAIKUANYEWUDEJIANDUJIANCHA。

YINXINGYEJIANDUGUANLIJIGOUKAIZHANDUISHANGYEYINXINGHULIANWANGDAIKUANYEWUDESHUJUTONGJIYUJIANCE、ZHONGYAOFENGXIANYINSUPINGGUDENGGONGZUO。

DILIUSHISITIAO SHANGYEYINXINGWEIFANBENBANFAGUIDINGBANLIHULIANWANGDAIKUANDE,YINXINGYEJIANDUGUANLIJIGOUKEGENJU《ZHONGHUARENMINGONGHEGUOYINXINGYEJIANDUGUANLIFA》ZELINGQIXIANQIGAIZHENG;YUQIWEIGAIZHENG,HUOQIXINGWEIYANZHONGWEIJISHANGYEYINXINGWENJIANYUNXING、SUNHAIKEHUHEFAQUANYIDE,YINGCAIQUXIANGYINGDEJIANGUANCUOSHI。YANZHONGWEIFANBENBANFADE,KEGENJU《ZHONGHUARENMINGONGHEGUOYINXINGYEJIANDUGUANLIFA》DISISHIWUTIAO、DISISHILIUTIAO、DISISHIQITIAO、DISISHIBATIAOGUIDINGSHISHIXINGZHENGCHUFA。

第七章 附则

DILIUSHIWUTIAO SHANGYEYINXINGJINGYINGHULIANWANGDAIKUANYEWU,YINGDANGYIZHAOBENBANFAZHIDINGHULIANWANGDAIKUANGUANLIXIZEJICAOZUOGUICHENG。

DILIUSHILIUTIAO BENBANFAWEIJINSHIXIANG,ANZHAO《GERENDAIKUANGUANLIZANXINGBANFA》《LIUDONGZIJINDAIKUANGUANLIZANXINGBANFA》DENGXIANGGUANGUIDINGZHIXING。

DILIUSHIQITIAO WAIGUOYINXINGFENXINGCANZHAOBENBANFAZHIXING。CHUDILIUTIAOGERENDAIKUANQIXIANYAOQIUWAI,XIAOFEIJINRONGGONGSI、QICHEJINRONGGONGSIKAIZHANHULIANWANGDAIKUANYEWUCANZHAOBENBANFAZHIXING。

DILIUSHIBATIAO BENBANFAYOUZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUIFUZEJIESHI。

DILIUSHIJIUTIAO BENBANFAZIGONGBUZHIRIQISHIXING。

DIQISHITIAO GUODUQIWEIBENBANFASHISHIZHIRIQI2NIAN。GUODUQINEIXINZENGYEWUYINGDANGFUHEBENBANFAGUIDING。SHANGYEYINXINGHEXIAOFEIJINRONGGONGSI、QICHEJINRONGGONGSIYINGDANGZHIDINGGUODUQINEIDEHULIANWANGDAIKUANZHENGGAIJIHUA,MINGQUESHIJIANJINDUANPAI,BINGYUBANFASHISHIZHIRIQI1GEYUENEIJIANGFUHEBENBANFADIWUSHIBATIAOGUIDINGDESHUMIANBAOGAOHEZHENGGAIJIHUABAOSONGYINXINGYEJIANDUGUANLIJIGOU,YOUQIJIANDUSHISHI。

中国银保监会有关部门负责人就《商业银行互联网贷款管理暂行办法》答记者问

WEIGUIFANSHANGYEYINXINGHULIANWANGDAIKUANYEWUJINGYINGXINGWEI,CUJINHULIANWANGDAIKUANYEWUPINGWENJIANKANGFAZHAN,YINBAOJIANHUIFABUSHISHI《SHANGYEYINXINGHULIANWANGDAIKUANGUANLIZANXINGBANFA》(XIACHENG《BANFA》)。YINBAOJIANHUIYOUGUANBUMENFUZERENJIUXIANGGUANWENTIHUIDALEJIZHETIWEN。

一、《办法》公开征求意见的情况如何?

2020NIAN5YUE9RI—6YUE9RI,YINBAOJIANHUIJIU《BANFA》XIANGSHEHUIGONGKAIZHENGQIUYIJIAN,JINRONGJIGOU、XINGYEZILVZUZHI、ZHUANJIAXUEZHEHESHEHUIGONGZHONGJIYULEGUANGFANDEGUANZHU。YINBAOJIANHUIDUIFANKUIYIJIANZHUTIAOJINXINGRENZHENYANJIU,CHONGFENXISHOUKEXUEHELIDEJIANYI,JUEDADUOSHUYIJIANYICAINAHUONARUXIANGGUANJIANGUANZHIDU。

ZAIFENGXIANGUANLIFANGMIAN,KAOLVDAOSHANGYEYINXINGHULIANWANGDAIKUANDUOWEIDU、DUOYAOSUPANDUANJIEKUANRENXINYONGZHUANGKUANGTEZHENG,CAINAXIANGGUANJIGOUFANKUIYIJIAN,JIANGDIERSHITIAO“SHUIWU、SHEHUIBAOXIANJIJIN、ZHUFANGGONGJIJINXINXI”BUZUOWEIQIANGZHIXINGXINYONGZHUANGKUANGPANDUANYAOSU。ZAIFANGKUANKONGZHIFANGMIAN,ZAIMINGQUESHANGYEYINXINGFANGKUANHUANJIEJIAQIANGFENGKONGDEQIANTIXIA,YUNXUQIGENJUZISHENFENGKONGMOSHIHESHOUDUAN,ZIZHUXUANZESHIFOUZAICIJINXINGZHENGXINCHAXUN;ZAIDANBAOZENGXINFANGMIAN,ZENGJIA“SHANGYEYINXINGBUDEYINYINRUDANBAOZENGXINFANGSONGDUIDAIKUANZHILIANGGUANKONG”YAOQIU,QIANGHUASHANGYEYINXINGZHUTIZEREN,FANGZHISHANGYEYINXINGFENGXIANGUANLI“KONGXINHUA”。

二、制定出台《办法》的背景是什么?

JINNIANLAI,SHANGYEYINXINGHULIANWANGDAIKUANYEWUKUAISUFAZHAN,GELEISHANGYEYINXINGJUNYIBUTONGFANGSHIBUTONGCHENGDUDIKAIZHANHULIANWANGDAIKUANYEWU。YUCHUANTONGXIANXIADAIKUANMOSHIXIANGBI,HULIANWANGDAIKUANJUYOUYITUODASHUJUHEMOXINGJINXINGFENGXIANPINGGU、QUANLIUCHENGXIANSHANGZIDONGYUNZUO、WURENGONGHUOJISHAORENGONGGANYU、JISUSHENPIFANGDAIDENGTEDIAN,ZAITIGAODAIKUANXIAOLV、CHUANGXINFENGXIANPINGGUSHOUDUAN、TUOKUANJINRONGKEHUFUGAIMIANDENGFANGMIANFAHUILEJIJIZUOYONG。YUCITONGSHI,HULIANWANGDAIKUANYEWUYEBAOLUCHUFENGXIANGUANLIBUSHENSHEN、JINRONGXIAOFEIZHEBAOHUBUCHONGFEN、ZIJINYONGTUJIANCEBUDAOWEIDENGWENTIHEFENGXIANYINHUAN。

XIANXINGXIANGGUANGUANLIBANFAWEIWANQUANFUGAISHANGSHUWENTI,QIESHANGYEYINXINGHULIANWANGDAIKUANDUIKEHUJINXINGXIANSHANGRENZHENG,SHIJISHANGYITUPOLEMIANTANMIANQIANHESHIDIDIAOCHADENGGUIDING。YINCI,YOUBIYAOJINKUAIBUQIZHIDUDUANBAN,CUJINHULIANWANGDAIKUANYEWUGUIFANFAZHAN。

三、《办法》制定遵循的基本原则是什么?

《BANFA》ZHIDINGZHUYAOZUNXUNYIXIAJIBENYUANZE:YISHIJIANCHILIZUDANGQIANYUZHEYANZHANGYUANXIANGJIEHE。SHANGYEYINXINGHULIANWANGDAIKUANYEWUYIYOUSHUNIANFAZHANLICHENG,XINGYEYEJILEILEHENDUOSHIJIANJINGYAN,《BANFA》JIANGXIANYOUHULIANWANGDAIKUANYEWUNARUGUIFANHUAGUIDAO,CUJINXINYETAIDEJIANKANGFAZHAN。TONGSHI,SHIYINGJINRONGKEJIFAZHANDEQUSHI,PAOQIYIDAOQIEDEJIANDANJIANGUANSILU,YUANZEDAOXIANGWEIZHU,BINGYULIUJIANGUANZHENGCEKONGJIAN。ERSHIJIANCHIFUWUSHITIJINGJIYUFANGKONGJINRONGFENGXIANXIANGJIEHE。《BANFA》ZHICHISHANGYEYINXINGTONGGUOHULIANWANGDAIKUANYEWUJIANXINGPUHUIJINRONG,MANZUJUMINHEXIAOWEIQIYEDERONGZIXUQIU,TIGAOJINRONGBIANLIDUHEPUHUIFUGAIMIAN。YUCITONGSHI,JIANCHIWENTIDAOXIANG,ZHUZHONGFANGKONGJINRONGFENGXIAN,TICHUQUANMIANFENGXIANGUANLIYAOQIU,CHUANDAOHEGUISHENSHENKAIZHANHULIANWANGDAIKUANDELINIAN,FANGZHIGELEIFENGXIANJIJU。SANSHIJIANCHIGULICHUANGXINYUJIAQIANGJIANGUANXIANGJIEHE。YIFANGMIAN,JIANCHISHENSHENBAORONGDEJIANGUANTAIDU,GULISHANGYEYINXINGWENBUTANSUOCHANPINHEFUWUCHUANGXIN,BUDUANTIGAOZIZHUFENGXIANGUANKONGNENGLI。LINGYIFANGMIAN,JIAQIANGSHIZHONGSHIHOUJIANGUAN,YASHISHANGYEYINXINGFENGXIANGUANLIDEZHUTIZEREN。

四、《办法》定义的互联网贷款的适用范围是什么?

《BANFA》JIANGHULIANWANGDAIKUANDINGYIWEI“SHANGYEYINXINGYUNYONGHULIANWANGHEYIDONGTONGXINDENGXINXITONGXINJISHU,JIYUFENGXIANSHUJUHEFENGXIANMOXINGJINXINGJIAOCHAYANZHENGHEFENGXIANGUANLI,XIANSHANGZIDONGSHOULIDAIKUANSHENQINGJIKAIZHANFENGXIANPINGGU,BINGWANCHENGSHOUXINSHENPI、HETONGQIANDING、DAIKUANZHIFU、DAIHOUGUANLIDENGHEXINYEWUHUANJIECAOZUO,WEIFUHETIAOJIANDEJIEKUANRENTIGONGDEYONGYUXIAOFEI、RICHANGSHENGCHANJINGYINGZHOUZHUANDENGDEGERENDAIKUANHELIUDONGZIJINDAIKUAN。”

GENJUSHANGSHUDINGYI,YIXIADAIKUANBUSHUYU《BANFA》GUIFANDEFANCHOU,RENGSHIYONGXIANYOUSHOUXIN、DAIKUANDENGXIANGGUANJIANGUANGUIZHI。YISHIXIANSHANGXIANXIAJIEHE,DAIKUANSHOUXINHEXINPANDUANRENGLAIYUANYUXIANXIADEDAIKUAN。LIRU,MUQIANDADUOSHUSUOWEIDEXIANSHANGQIYELIUDONGZIJINDAIKUAN、GONGYINGLIANRONGZIDENG,SHANGYEYINXINGDAIKUANDIAOCHA、FENGXIANPINGGUHEYUSHOUXINDENGSHIZHIFENGXIANPINGGUHUANJIEJUNZAIXIANXIAWANCHENG,CHUYUBIANLIJIEKUANRENHETIGAOXIAOLVKAOLVJIANGDAIKUANSHENQINGJIHOUXUCAOZUOHUANJIEYUXIANSHANGWANCHENG。ERSHIBUFENDIZHIYADAIKUAN。LIRUYIFANGWUDENGZICHANWEIDIYAWUFAFANGDEDAIKUAN,YAPINDEPINGGUDENGJIDENGSHOUXUXUYAOZAIXIANXIAWANCHENG。SANSHIGUDINGZICHANDAIKUAN。YINGUDINGZICHANDAIKUANSHEJIJIAODUOXIANXIASHENCHANEIRONG,BUSHUYU《BANFA》DINGYIFANWEINEIDEHULIANWANGDAIKUAN。

HULIANWANGDAIKUANCHUYINGZUNSHOU《BANFA》GUIDINGWAI,YEYINGZUNSHOUXIANYOUXIANGGUANJIANGUANGUIZHIZHONGGUANYUSHOUXIN、DAIKUANDENGDEYIBANGUIDING。

五、《办法》对防控互联网贷款风险,有哪些针对性措施?

HULIANWANGDAIKUANYEWUJUYOUGAODUYITUODASHUJUFENGXIANJIANMO、QUANLIUCHENGXIANSHANGZIDONGYUNZUO、JISUSHENPIFANGDAIDENGTEDIAN,YICHUXIANGUODUSHOUXIN、DUOTOUGONGZHAI、ZIJINYONGTUBUHEGUIDENGWENTI。WEIYOUXIAOFANGKONGHULIANWANGDAIKUANYEWUFENGXIAN,《BANFA》ZHONGDIANCONGYIXIAFANGMIANJINXINGGUIFAN。YISHIMINGQUEHULIANWANGDAIKUANXIAOE、DUANQIDEYUANZE,DUIXIAOFEILEIGERENXINYONGDAIKUANSHOUXINSHEDINGXIANE,FANGFANJUMINGERENGANGGANLVKUAISUSHANGSHENGFENGXIAN。ERSHIJIAQIANGTONGYISHOUXINGUANLI,FANGZHIGUODUSHOUXIN。SHANGYEYINXINGYINGDANGQUANMIANLEJIEJIEKUANRENXINYONGZHUANGKUANG,BINGTONGGUOFENGXIANJIANCEYUJINGMOXINGCHIXUXINGJINXINGJIANCEHEPINGGU,FAXIANYUJINGCHUFATIAOJIANDE,YINGJISHIYUJING。SANSHIJIAQIANGDAIKUANZHIFUHEZIJINYONGTUGUANLI。SHANGYEYINXINGDUIFUHEXIANGYINGTIAOJIANDEDAIKUANYINGCAIQUSHOUTUOZHIFUFANGSHI,BINGJINGXIHUASHOUTUOZHIFUXIANEGUANLI。DAIKUANZIJINYONGTUYINGDANGMINGQUE、HEFA,BUDEYONGYUFANGCHAN、GUPIAO、ZHAIQUAN、QIHUO、JINRONGYANSHENGPINHEZICHANGUANLICHANPINTOUZI,BUDEYONGYUGUDINGZICHANHEGUBENQUANYIXINGTOUZIDENG。RUFAXIANDAIKUANYONGTUWEIFAWEIGUIHUOWEIANZHAOYUEDINGYONGTUSHIYONGDE,YINGDANGCAIQUCUOSHITIQIANSHOUHUIDAIKUAN。SISHIDUIFENGXIANSHUJU、FENGXIANMOXINGGUANLIHEXINXIKEJIFENGXIANGUANLITICHUQUANLIUCHENG、QUANFANGWEIYAOQIU,YASHISHANGYEYINXINGDEFENGXIANGUANLIZHUTIZEREN。WUSHIQIANGHUASHIZHONGSHIHOUJIANGUAN。JIANGUANJIGOUDUISHANGYEYINXINGHULIANWANGDAIKUANQINGKUANGSHISHIJIANDUJIANCHA,JIANLISHUJUTONGJIYUJIANCEJIZHI,BINGKEGENJUSHANGYEYINXINGDEJINGYINGGUANLIQINGKUANG、FENGXIANSHUIPINGDENGYINSUTICHUSHENSHENXINGJIANGUANYAOQIU,YANSHOUFENGXIANDIXIAN。

六、《办法》在规范商业银行对合作机构管理方面提了哪些要求?

MUQIAN,SHANGYEYINXINGTONGGUODUOZHONGFANGSHIYUDISANFANGJIGOUHEZUOKAIZHANHULIANWANGDAIKUANYEWU。YOUXIAOGUIFANDEHEZUOZAIYIDINGCHENGDUSHANGYOULIYUGELEIJIGOUZHIJIANYOUSHIHUBU、TIGAOXIAOLV,DANBUFENYINXINGDUIHEZUOJIGOUGUANLIJIAOWEICUFANG,RUMEIYOUJIANLIQUANXINGTONGYIDEGUANLIZHIDU、HEZUOJIGOUZIZHICUNZAIQUEXIAN、DUIHEZUOJIGOUDECHIXUXINGGUANLIBUZUDENG,YINFAYINXINGSHENGYUFENGXIAN。WEIYINDAOSHANGYEYINXINGSHENSHENKAIZHANYUHEZUOJIGOUDEHEZUO,FANGZHIHEZUOJIGOUFENGXIANXIANGYINXINGCHUANRAN,《BANFA》YAOQIUSHANGYEYINXINGDUIHEZUOJIGOUCONGZHUNRUDAOTUICHUJIANLIQUANLIUCHENG、XITONGXINGDEGUANLIJIZHI,TISHENGQIJINGXIHUAGUANLINENGLI。YISHISHANGYEYINXINGYINGDANGJIANLIGELEIHEZUOJIGOUDEQUANXINGTONGYIDEZHUNRUJIZHI,BINGSHISHIFENCENGFENLEIGUANLI。SHANGYEYINXINGYINGDANGCONGJINGYINGQINGKUANG、GUANLINENGLI、FENGKONGSHUIPINGDENGFANGMIANDUIHEZUOJIGOUJINXINGZHUNRUQIANPINGGU,HEZUOJIGOUZIZHIYINGHEQICHENGDANDEZHINENGXIANGPIPEI。ERSHISHANGYEYINXINGYUHEZUOJIGOUQIANDINGDESHUMIANHEZUOXIEYIZHONG,YINGMINGQUEHEZUOFANWEI、CAOZUOLIUCHENG、GEFANGQUANZE、FENGXIANFENDAN、KEHUQUANYIBAOHUDENGNEIRONG。HEZUOXIEYIYINGTIXIANSHOUYIHEFENGXIANXIANGPIPEIDEYUANZE。SANSHISHANGYEYINXINGYINGDANGXIANGJIEKUANRENCHONGFENPILUZISHENYUHEZUOJIGOUDEXINXI、HEZUOLEICHANPINDEXINXI、ZISHENYUHEZUOGEFANGQUANLIYIWUDENG,BIMIANKEHUCHANSHENGPINPAIHUNTONG。SHANGYEYINXINGZAIYIFAHEGUIQIANTIXIA,KETONGGUOYINGYONGCHENGXUJIEKOUDENGJISHUSHOUDUAN,ZAIHUOKE、HETONGQIANDINGDENGHUANJIEYUHEZUOJIGOUKAIZHANJIYUYINGYONGCHANGJINGDEHEZUO。SISHISHANGYEYINXINGYINGDANGCHIXUDUIHEZUOJIGOUJINXINGGUANLI,DINGQIJINXINGQUANMIANPINGGU;FAXIANHEZUOJIGOUWUFAJIXUMANZUZHUNRUTIAOJIANDE,YINGDANGJISHIZHONGZHIHEZUOGUANXI。

ZAIYUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANSHI,SHANGYEYINXINGYINGDANGANZHAOZIZHUFENGKONGDEYUANZESHENSHENKAIZHANYEWU,BIMIANCHENGWEIDANCHUNDEZIJINTIGONGFANG。《BANFA》YAOQIUSHANGYEYINXINGJIANLIJIANQUANNEIBUGUANLIZHIDU,DULIJINXINGFENGXIANPINGGUHESHOUXINSHENPI,ANZHAOSHIDUFENSANDEYUANZEXUANZEHEZUOJIGOU,BIMIANDUIHEZUOJIGOUDEGUODUYILAI;TONGSHIYAOQIUYINXINGJIANGYUHEZUOJIGOUGONGTONGCHUZIFAFANGDAIKUANZONGENARUXIANEGUANLI,BINGDUIDANBIDAIKUANCHUZIBILISHIXINGQUJIANGUANLI。

七、《办法》如何体现服务实体经济的思路?

HULIANWANGDAIKUANBUJINYOULIYUYINXINGTISHENGJINRONGKEJISHUIPING,CUJINQIZHUANXINGFAZHAN,YEYOULIYUGENGHAOGENGBIANJIEDIMANZUJUMINHELIXIAOFEIXUQIUHEZHICHISHITIJINGJIFAZHAN。HULIANWANGDAIKUANZUOWEICHUANTONGXIANXIADAIKUANDEZHONGYAOBUCHONG,KEYIFUWUCHUANTONGJINRONGQUDAONANYICHUJIDEKEHUQUNTI,QIPUHUIJINRONGTEXINGJIAOWEITUCHU。WEICI,《BANFA》ANZHAOFALVFAGUIHE“FANGGUANFU”GAIGEDEYAOQIU,BUSHEXINGZHENGXUKE,SHANGYEYINXINGJUNKEANZHAO《BANFA》GUIDINGKAIZHANHULIANWANGDAIKUANYEWU。ZAIQIANGHUAFENGXIANGUANLI、JIAQIANGJIANGUANDETONGSHI,DUIYONGYUSHENGCHANJINGYINGDEGERENDAIKUANHELIUDONGZIJINDAIKUANSHOUXINEDUJIQIXIANZUOLEXIANGYINGLINGHUOCHULI,YOUZHUYUQUEBAOTONGGUOHULIANWANGQUDAOKAIZHANXIAOWEIQIYERONGZIDELIANXUXING,TISHENGXIAOWEIQIYEHEXIAOWEIQIYEZHUXINYONGDAIKUANDEZHANBI,ZAIYIQINGFANGKONGHEJINGJIXIAXINGYALIZENGDADEGUANJIANQIKEYIYOUXIAOZHICHISHITIJINGJI。

八、《办法》对消费者权益保护提出哪些要求?

《BANFA》YIHULIANWANGDAIKUANKAIZHANZHONGXIAOFEIZHEBAOHUDETONGDIAN、NANDIANWEICHUFADIANHELUOJIAODIAN,ZHENDUIHULIANWANGDAIKUANZHONGCUNZAIDEXINXIPILUBUCHONGFEN、SHUJUBAOHUBUDAOWEI、QINGSHOUGUANLIBUGUIFANDENGSUNHAIJINRONGXIAOFEIZHEQUANYIDEWENTI,《BANFA》ZAIDUOGEZHANGJIEQUANMIANTICHUXIAOFEIZHEBAOHUYAOQIU。YISHISHANGYEYINXINGYINGDANGJIANLIHULIANWANGJIEKUANRENQUANYIBAOHUJIZHI,JIANGXIAOFEIZHEBAOHUQIANRUHULIANWANGDAIKUANYEWUQUANLIUCHENGGUANLI,ZUODAOMAIZHEJINZE。ERSHIWEIRAOJIEKUANRENSHUJULAIYUAN、SHIYONG、BAOGUANDENGWENTI,DUISHANGYEYINXINGTICHUMINGQUEYAOQIU,TEBIEDUIQUDEJIEKUANRENFENGXIANSHUJUSHOUQUANSHIJINXINGLEJUTIGUIDING。SANSHIYAOQIUSHANGYEYINXINGLUOSHIXIANGJIEKUANRENDECHONGFENXINXIPILUYIWU,YINGCHONGFENPILUDAIKUANZHUTI、SHIJINIANLILV、NIANHUAZONGHEZIJINCHENGBEN、HAIBENFUXIANPAI、YUQIQINGSHOU、ZIXUNTOUSUDENGXINXI,QIESHIBAOZHANGKEHUDEZHIQINGQUANHEZIZHUXUANZEQUAN。SISHIYANGEJINZHISHANGYEYINXINGYUYOUWEIGUISHOUJIHESHIYONGGERENXINXI、BAOLICUISHOUDENGWEIFAWEIGUIJILUDEDISANFANGJIGOUHEZUO。

九、《办法》是否限制地方性商业银行跨区展业?

DIFANGFARENYINXINGYINGDANGJIANSHOUFAZHANDINGWEI,ZAIKAIZHANHULIANWANGDAIKUANYEWUSHIZHUYAOFUWUDANGDIKEHU。KAOLVDAOGEJIAYINXINGHULIANWANGDAIKUANYEWUKAIZHANQINGKUANGYIJIFENGXIANGUANLINENGLICHAYIXINGJIAODA,《BANFA》ZANWEIDUIDIFANGFARENYINXINGKAIZHANKUAQUHULIANWANGDAIKUANYEWUSHEZHITONGYIDEDINGLIANGZHIBIAOJINXINGXIANZHI,DANDIFANGFARENYINXINGYINGJIEHEZISHENFENGKONGNENGLISHENSHENKAIZHANCILEIYEWU,BINGQUEBAOYOUXIAOSHIBIEHEJIANCEKUAQUHULIANWANGDAIKUANYEWUKAIZHANQINGKUANG。TONGSHI,JIANGUANJIGOUYOUQUANGENJUSHANGYEYINXINGKUAQUYEWUDEGUIMO、FENGXIANSHUIPINGDENGTICHUJINYIBUSHENSHENXINGJIANGUANYAOQIU。

BUFENWUSHITIJINGYINGWANGDIAN,YEWUZHUYAOZAIXIANSHANGKAIZHANDEYINXINGBUSHOU《BANFA》GUANYUKUAQUJINGYINGDEXIANZHI。

十、《办法》的过渡期如何设置?

WEIJINKENENGDIBAOZHENGXIANYOUHULIANWANGDAIKUANYEWUDELIANXUXINGHEBAOHUKEHUQUANYI,《BANFA》ANZHAO“XINLAOHUADUAN”DEYUANZE,SHEZHI2NIANGUODUQI。《BANFA》SHISHIZHIRIQI,XINZENGYEWUYINGDANGFUHE《BANFA》GUIDING。GUODUQINEI,BUFUHE《BANFA》GUIDINGDEYEWU,YINGZAIKONGZHIZHENGTIGUIMOJICHUSHANG,ZHUBUYOUXUYAJIANG,TONGSHIANZHAO《BANFA》GUIDING,ZAIFENGXIANZHILIJIAGOU、FENGXIANMOXINGGUANLIDENGFANGMIANJINXINGGUIFANHUOZHENGGAI。GUODUQIJIESHUHOU,SHANGYEYINXINGSUOYOUCUNXUHULIANWANGDAIKUANYEWUJUNYINGZUNSHOUBEN《BANFA》GUIDING。

WEIQIANGHUAXIANYOUCUNLIANGYEWUDEGUIFAN,《BANFA》GUIDINGSHISHIZHIRIQI1GEYUENEI,SHANGYEYINXINGYINGDANGJIANGYEWUGUIHUA、FENGXIANGUANKONGCUOSHI、CUNLIANGYEWU、JINRONGXIAOFEIZHEQUANYIBAOHUDENGQINGKUANGBAOGAOJIANGUANJIGOU。JIANGUANJIGOUZAIDUISHANGSHUBAOGAOJINXINGPINGGUSHIFAXIANBUFUHEBEN《BANFA》YAOQIUDE,YINGDANGYAOQIUSHANGYEYINXINGJINXINGZHENGGAI。SHANGYEYINXINGCUNLIANGYEWUXUYAOZHENGGAIDE,YINGDUIZHAO《BANFA》ZHIDINGXIANGYINGDEGUODUQIZHENGGAIJIHUAYUSHANGSHUBAOGAOTONGBUBAOGAOJIANGUANJIGOU,YOUJIANGUANJIGOUJIANDUQIYOUXUSHISHI,BINGSHIQINGKUANGCAIQUXIANGGUANJIANGUANCUOSHI。


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