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国务院法制办、银监会负责人就 《融资担保公司监督管理条例》答记者问

时间:2017-08-21 16:00:00来源:中国政府网 新华社浏览:1555

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支持小微企业和“三农”服务 规范融资担保公司行为
——国务院法制办、银监会负责人就《融资担保公司监督管理条例》答记者问

XINHUASHEBEIJING8YUE21RIDIAN(JIZHE DINGXIAOXI)2017NIAN8YUE2RI,GUOWUYUANZONGLILIKEQIANGQIANSHUGUOWUYUANLING,GONGBU(YIXIAJIANCHENGTIAOLI),ZI2017NIAN10YUE1RIQISHIXING。RIQIAN,GUOWUYUANFAZHIBAN、ZHONGGUOYINJIANHUIFUZERENJIUTIAOLIYOUGUANWENTIHUIDALEJIZHEDETIWEN。

问:为什么要制定条例?

DA:RONGZIDANBAOSHIZHIDANBAORENWEIBEIDANBAORENJIEKUAN、FAXINGZHAIQUANDENGZHAIWURONGZITIGONGDANBAODEXINGWEI。RONGZIDANBAOSHIPUHUIJINRONGTIXIDEZHONGYAOZUCHENGBUFEN,DUIYUFAZHANPUHUIJINRONG,CUJINZIJINRONGTONG,TEBIESHIJIEJUEXIAOWEIQIYEHE“SANNONG”RONGZINANRONGZIGUIWENTIJUYOUZHONGYAOZUOYONG。

JINNIANLAI,WOGUORONGZIDANBAOXINGYEFAZHANJIAOKUAI,TONGSHIYECUNZAIJIANDUGUANLIBUDAOWEI、JINGYINGXINGWEIBUGUIFANBUSHENSHENSHENZHIYINFAFENGXIAN、WEIXIAOWEIQIYEHE“SANNONG”FUWUDEYIYUANYOUDAIZENGQIANGHENENGLIYOUDAITIGAODENGWENTI。DANGZHONGYANG、GUOWUYUANDUICIGAODUZHONGSHI,GUOWUYUANLINGDAOTONGZHIDUOCIZUOCHUZHISHI、PISHI,YAOQIUWANSHANFALVFAGUI,JIADAZHENGCEFUCHILIDU,CHONGFENFAHUIRONGZIDANBAOZHICHIXIAOWEIQIYEHE“SANNONG”DEZUOYONG,TONGSHIGUIFANRONGZIDANBAOGONGSIDEXINGWEI,QIESHIFANGFANFENGXIAN。ZHIDINGBENTIAOLI,JISHISHIJIANXUYAO,YESHILUOSHIDANGZHONGYANG、GUOWUYUANJUECEBUSHUDEYAOQIU。

问:条例如何促进融资担保行业更好地为小微企业和“三农”服务?

足彩app DA:CUJINRONGZIDANBAOXINGYEGENGHAODIWEIXIAOWEIQIYEHE“SANNONG”FUWU,ZHENGCEFUCHIBIBUKESHAO。

TIAOLILIZUWOGUOGUOQING,GUIDINGLEYIXILIEZHENGCEFUCHICUOSHI,ZHUYAOBAOKUO:GUOJIATUIDONGJIANLIZHENGFUXINGRONGZIDANBAOTIXI,FAZHANZHENGFUZHICHIDERONGZIDANBAOGONGSI,JIANLIZHENGFU、YINXINGYEJINRONGJIGOU、RONGZIDANBAOGONGSIHEZUOJIZHI,KUODAWEIXIAOWEIQIYEHE“SANNONG”TIGONGRONGZIDANBAOYEWUDEGUIMOBINGBAOCHIJIAODIDEFEILVSHUIPING;GEJIRENMINZHENGFUCAIZHENGBUMENTONGGUOZIBENJINTOURU、JIANLIFENGXIANFENDANJIZHIDENGFANGSHI,DUIZHUYAOWEIXIAOWEIQIYEHE“SANNONG”FUWUDERONGZIDANBAOGONGSITIGONGCAIZHENGZHICHI;ZHENGFUZHICHIDERONGZIDANBAOGONGSIYINGDANGZENGQIANGYUNYONGDASHUJUDENGXIANDAIXINXIJISHUSHOUDUANDENENGLI,WEIXIAOWEIQIYEHE“SANNONG”RONGZIXUQIUFUWU;BEINARUZHENGFUTUIDONGJIANLIDERONGZIDANBAOFENGXIANFENDANJIZHIDERONGZIDANBAOGONGSI,YINGDANGANZHAOGUOJIAYOUGUANGUIDINGJIANGDIDUIXIAOWEIQIYEHE“SANNONG”DERONGZIDANBAOFEILV。YIXINGZHENGFAGUIDEXINGSHI,DUISHANGSHUZHENGCEFUCHICUOSHIZUOCHUMINGQUEGUIDING,YOULIYUJINYIBUTISHENGZHENGCECUOSHIDEWENDINGXINGHEQUANWEIXING,XINGCHENGLIANGHAOSHEHUIYUQI,DUIYUZENGQIANGRONGZIDANBAOXINGYEWEIXIAOWEIQIYEHE“SANNONG”FUWUDEYIYUANHENENGLI,JUYOUZHONGYAOYIYI。

问:设立融资担保公司的“门槛”是什么?

DA:RONGZIDANBAOGONGSIDEYEWUJUYOUJINRONGSHUXING,XUYAOYANGEJIANGUAN。SHOUXIANJIUSHISHELIRONGZIDANBAOGONGSIYAOYOUYIDINGDE“MENJIAN”,ZHEISHIQIANGHUAYUANTOUZHILIDEXUYAO。WEICI,TIAOLIGUIDING:SHELIRONGZIDANBAOGONGSIYINGDANGJINGJIANGUANBUMENPIZHUN。CHULEYAOFUHE《ZHONGHUARENMINGONGHEGUOGONGSIFA》DEGUIDINGWAI,RONGZIDANBAOGONGSIHAIYINGDANGJUBEIXIALIETIAOJIAN:GUDONGXINYULIANGHAO,ZUIJIN3NIANWUZHONGDAWEIFAWEIGUIJILU;ZHUCEZIBENBUDIYURENMINBI2000WANYUANQIEWEISHIJIAOHUOBIZIBEN;NIRENDONGSHI、JIANSHI、GAOJIGUANLIRENYUANSHUXIYURONGZIDANBAOYEWUXIANGGUANDEFALVFAGUI,JUYOULVXINGZHIZESUOXUDECONGYEJINGYANHEGUANLINENGLI;YOUJIANQUANDEYEWUGUIFANHEFENGXIANKONGZHIDENGNEIBUGUANLIZHIDUDENG。KAOLVDAOBUTONGDIQUJINGJIFAZHANSHUIPINGHERONGZIDANBAOXINGYEFAZHANDESHIJIQINGKUANGBUTONG,TIAOLIGUIDINGSHENGJIRENMINZHENGFUKEYIGENJUBENDIQUSHIJIQINGKUANGTIGAOSHELIRONGZIDANBAOGONGSIZHUCEZIBENZUIDIXIANEYAOQIU。CIWAI,DUIYURONGZIDANBAOGONGSIKUASHENG、ZIZHIQU、ZHIXIASHISHELIFENZHIJIGOUDE,TIAOLIHAIGUIDINGLEZHUCEZIBENBUDIYURENMINBI10YIYUAN、JINGYINGRONGZIDANBAOYEWU3NIANYISHANGQIEZUIJIN2GEHUIJINIANDULIANXUYINGLI、ZUIJIN2NIANWUZHONGDAWEIFAWEIGUIJILUDENGTIAOJIAN。

问:条例对融资担保公司市场退出有什么要求?

足彩app DA:WEILEFANGFANFENGXIAN,WEIHUJINRONGWENDING,TIAOLIMINGQUELERONGZIDANBAOGONGSISHICHANGTUICHUDEYAOQIU,BAOKUO:RONGZIDANBAOGONGSIJIESANDE,YINGDANGYIFACHENGLIQINGSUANZUJINXINGQINGSUAN,BINGDUIWEIDAOQIRONGZIDANBAOZERENDECHENGJIEZUOCHUMINGQUEANPAI;RONGZIDANBAOGONGSIDEQINGSUANGUOCHENGYINGDANGJIESHOUJIANDUGUANLIBUMENDEJIANDU;RONGZIDANBAOGONGSIJIESANHUOZHEBEIYIFAXUANGAOPOCHANDE,YINGDANGJIANGRONGZIDANBAOYEWUJINGYINGXUKEZHENGJIAOJIANDUGUANLIBUMENZHUXIAO,BINGYOUJIANDUGUANLIBUMENYUYIGONGGAO。

问:融资担保公司主要应遵循哪些经营规则?

足彩app DA:WANSHANDEJINGYINGGUIZESHIGUIFANRONGZIDANBAOGONGSIXINGWEI、YOUXIAOFANGFANFENGXIANDEHEXIN,YESHITIAOLIDEZHUYAOZHELIDIAN。ZHEIFANGMIANDEZHUYAOGUIDINGBAOKUO:RONGZIDANBAOGONGSIYINGDANGANZHAOSHENSHENJINGYINGYUANZE,JIANLIJIANQUANGEXIANGYEWUGUIFANYIJIFENGXIANGUANLIDENGNEIBUKONGZHIZHIDU,BINGANZHAOGUOJIAGUIDINGDEFENGXIANQUANZHONGJILIANGDANBAOZERENYUE;DANBAOZERENYUEBUDECHAOGUOQIJINGZICHANDE10BEI,DUITONGYIBEIDANBAOREN、TONGYIBEIDANBAORENJIQIGUANLIANFANGDEDANBAOZERENYUEBUDECHAOGUOXIANGYINGDEBILI;BUDEWEIQIKONGGUGUDONG、SHIJIKONGZHIRENTIGONGRONGZIDANBAO,WEIQITAGUANLIANFANGTIGONGRONGZIDANBAODETIAOJIANBUDEYOUYUWEIFEIGUANLIANFANGTIGONGTONGLEIDANBAODETIAOJIAN,BINGXUYIFABAOGAOHEPILU;YINGDANGANZHAOGUOJIAYOUGUANGUIDINGTIQUXIANGYINGDEZHUNBEIJIN;ZIYOUZIJINYUNYONGYINGDANGFUHEGUOJIAYOUGUANRONGZIDANBAOGONGSIZICHANANQUANXING、LIUDONGXINGDEGUIDING;JINZHIRONGZIDANBAOGONGSICONGSHIXISHOUCUNKUANHUOZHEBIANXIANGXISHOUCUNKUAN、ZIYINGDAIKUANHUOZHESHOUTUODAIKUANYIJISHOUTUOTOUZIDENGHUODONG。

问:融资担保公司的监管体制是什么样的?

DA:RONGZIDANBAOGONGSIDEJIANDUGUANLITIZHIFENWEILIANGGECENGMIAN。QIZHONG,RICHANGJIANDUGUANLIZAIDIFANGCENGMIAN。ANZHAOTIAOLIGUIDING,SHENGJIRENMINZHENGFUQUEDINGDEBUMENFUZEDUIBENDIQURONGZIDANBAOGONGSIDEJIANDUGUANLI,SHENGJIRENMINZHENGFUFUZEZHIDINGCUJINBENDIQURONGZIDANBAOXINGYEFAZHANDEZHENGCECUOSHI、CHUZHIRONGZIDANBAOGONGSIFENGXIAN,DUCUJIANDUGUANLIBUMENYANGELVXINGZHIZE。ZHONGYANGCENGMIANZHUYAOFUZEZHIDUJIANSHE、DUCUZHIDAODENG,JUTITONGGUOLIANXIHUIYIJIZHILAISHISHI。GUOWUYUANJIANLIRONGZIXINGDANBAOYEWUJIANGUANBUJILIANXIHUIYI,FUZENIDINGRONGZIDANBAOGONGSIJIANDUGUANLIZHIDU,XIEDIAOJIEJUERONGZIDANBAOGONGSIJIANDUGUANLIZHONGDEZHONGDAWENTI,DUCUZHIDAODIFANGRENMINZHENGFUDUIRONGZIDANBAOGONGSIJINXINGJIANDUGUANLIHEFENGXIANCHUZHI。RONGZIXINGDANBAOYEWUJIANGUANBUJILIANXIHUIYIYOUGUOWUYUANYINXINGYEJIANDUGUANLIJIGOUQIANTOU,GUOWUYUANYOUGUANBUMENCANJIA。

问:条例如何强化对融资担保公司的监督管理?

足彩app DA:WEIQIANGHUADUIRONGZIDANBAOGONGSIDEJIANDUGUANLI,TIAOLIZHUYAOCONGSANGEFANGMIANZUOLEGUIDING。

YISHIMINGQUEJIANGUANBUMENDEZHUYAOZHIZE,BAOKUOJIANLIJIANQUANJIANDUGUANLIGONGZUOZHIDU,YUNYONGDASHUJUDENGXIANDAIXINXIJISHUSHOUDUANSHISHIJIANCEFENGXIAN,JIAQIANGDUIRONGZIDANBAOGONGSIDEFEIXIANCHANGJIANGUANHEXIANCHANGJIANCHA,BINGYUYOUGUANBUMENJIANLIJIANDUGUANLIXIEDIAOJIZHIHEXINXIGONGXIANGJIZHI;GENJURONGZIDANBAOGONGSIDEBUTONGQINGKUANGSHISHIFENLEIJIANDUGUANLI;JIANLIJIANQUANRONGZIDANBAOGONGSIXINYONGJILUZHIDU;HUITONGYOUGUANBUMENJIANLIRONGZIDANBAOGONGSIZHONGDAFENGXIANSHIJIANDEYUJING、FANGFANHECHUZHIJIZHI,ZHIDINGRONGZIDANBAOGONGSIZHONGDAFENGXIANSHIJIANYINGJIYUAN。

ERSHIGUIDINGLEJUTIJIANGUANCUOSHI,BAOKUO:DUIRONGZIDANBAOGONGSIJINXINGXIANCHANGJIANCHABINGCAIQUXIANGYINGCUOSHI;YUQIDONGSHI、JIANSHI、GAOJIGUANLIRENYUANJINXINGJIANDUGUANLITANHUA;FAXIANRONGZIDANBAOGONGSIDEJINGYINGHUODONGKENENGXINGCHENGZHONGDAFENGXIANDE,KEYIZELINGQIZANTINGBUFENYEWU、XIANZHIQIZIYOUZIJINYUNYONGDEGUIMOHEFANGSHI、ZELINGQITINGZHIZENGSHEFENZHIJIGOUDENG。

SANSHIGUIDINGLERONGZIDANBAOGONGSIYINGDANGZUNSHOUDEJIANGUANYAOQIU,BAOKUOANZHAOYAOQIUXIANGJIANGUANBUMENBAOSONGJINGYINGBAOGAO、CAIWUBAOGAOYIJIQITAYOUGUANWENJIANHEZILIAO,BAOGAOKUASHENGYUKAIZHANYEWUDEQINGKUANG;FASHENGZHONGDAFENGXIANSHIJIANLIJICAIQUYINGJICUOSHIBINGJISHIXIANGJIANDUGUANLIBUMENBAOGAODENG。

足彩app CIWAI,WEIYANGEZERENZHUIJIU,TIAOLIHAIDUIWEIJINGPIZHUNSHANZISHELIRONGZIDANBAOGONGSIHUOZHEJINGYINGRONGZIDANBAOYEWU,YIJIWEIFANRONGZIDANBAOGONGSIJINGYINGGUIZEHEJIANDUGUANLIYAOQIUDEXINGWEIGUIDINGLEXIANGYINGDEFALVZEREN。

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