文(wen)章來源：新華社 發(fa)布時間：2018-08-22
日前，國務(wu)院總理李克強簽署國務(wu)院令，公布《融資擔保公司(si)監督管理條(tiao)例》，自2017年10月1日起施行。
融(rong)(rong)(rong)資擔保行(xing)(xing)業(ye)對于發展普惠金(jin)融(rong)(rong)(rong)，促進(jin)資金(jin)融(rong)(rong)(rong)通，特別是(shi)解決小微(wei)(wei)企(qi)(qi)業(ye)和“三農(nong)”融(rong)(rong)(rong)資難融(rong)(rong)(rong)資貴問題具有(you)(you)重要作用。近(jin)年來，我國融(rong)(rong)(rong)資擔保行(xing)(xing)業(ye)在較快發展的同時，也存在監督管(guan)理不到(dao)位、經營行(xing)(xing)為不規(gui)范不審慎(shen)、為小微(wei)(wei)企(qi)(qi)業(ye)和“三農(nong)”服務的意愿有(you)(you)待增強和能(neng)力(li)有(you)(you)待提高等問題。制定《條例》，有(you)(you)利于加大政策扶持(chi)力(li)度(du)，完善監管(guan)制度(du)，有(you)(you)效防范風險，促進(jin)融(rong)(rong)(rong)資擔保行(xing)(xing)業(ye)健康發展，更好(hao)地為小微(wei)(wei)企(qi)(qi)業(ye)和“三農(nong)”服務。
《條例(li)》規定，國(guo)家(jia)推(tui)動建立政(zheng)(zheng)(zheng)府(fu)性融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保體(ti)系，發展政(zheng)(zheng)(zheng)府(fu)支持的(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保公(gong)司(si)，建立政(zheng)(zheng)(zheng)府(fu)、銀行業(ye)(ye)(ye)(ye)金融(rong)(rong)(rong)(rong)(rong)機(ji)構、融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保公(gong)司(si)合(he)作機(ji)制，擴大(da)(da)為小(xiao)微企業(ye)(ye)(ye)(ye)和“三(san)農”提供(gong)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保業(ye)(ye)(ye)(ye)務(wu)的(de)(de)(de)規模并保持較(jiao)低的(de)(de)(de)費率水平。各級人民政(zheng)(zheng)(zheng)府(fu)財政(zheng)(zheng)(zheng)部(bu)門對主要為小(xiao)微企業(ye)(ye)(ye)(ye)和“三(san)農”服務(wu)的(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保公(gong)司(si)提供(gong)財政(zheng)(zheng)(zheng)支持。政(zheng)(zheng)(zheng)府(fu)支持的(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保公(gong)司(si)應當(dang)增強運用大(da)(da)數據等(deng)現代信(xin)息技術手段的(de)(de)(de)能力，為小(xiao)微企業(ye)(ye)(ye)(ye)和“三(san)農”融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)需(xu)求服務(wu)。納入政(zheng)(zheng)(zheng)府(fu)推(tui)動建立的(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保風(feng)險分擔(dan)(dan)(dan)機(ji)制的(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保公(gong)司(si)，應當(dang)按照國(guo)家(jia)有關規定降低對小(xiao)微企業(ye)(ye)(ye)(ye)和“三(san)農”的(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保費率。
《條例(li)》規定了融資擔保(bao)公司的(de)經(jing)營規則，包括建(jian)立健全各項業(ye)務規范以及(ji)風(feng)險(xian)管理(li)等(deng)內部控制(zhi)制(zhi)度，并按照國家規定的(de)風(feng)險(xian)權重計量擔保(bao)責(ze)任(ren)余(yu)額；擔保(bao)責(ze)任(ren)余(yu)額不(bu)得超過相應的(de)比例(li)；自有資金的(de)運(yun)用應當符(fu)合國家有關(guan)其資產安全性(xing)、流動性(xing)的(de)規定；禁止融資擔保(bao)公司吸(xi)收存款(kuan)(kuan)或者變相吸(xi)收存款(kuan)(kuan)、自營貸款(kuan)(kuan)或者受(shou)托(tuo)(tuo)貸款(kuan)(kuan)以及(ji)受(shou)托(tuo)(tuo)投資等(deng)。
《條(tiao)(tiao)例》明確了融(rong)(rong)(rong)資擔保(bao)公(gong)司(si)的監督(du)管(guan)(guan)理(li)(li)體(ti)制(zhi)，規(gui)定由省(sheng)級(ji)人(ren)民政(zheng)府(fu)確定的部(bu)門負(fu)責(ze)(ze)對本(ben)地區(qu)融(rong)(rong)(rong)資擔保(bao)公(gong)司(si)的監督(du)管(guan)(guan)理(li)(li)；省(sheng)級(ji)人(ren)民政(zheng)府(fu)負(fu)責(ze)(ze)制(zhi)定促進本(ben)地區(qu)融(rong)(rong)(rong)資擔保(bao)行業發展(zhan)的政(zheng)策(ce)措(cuo)(cuo)施(shi)、處(chu)置融(rong)(rong)(rong)資擔保(bao)公(gong)司(si)風險，督(du)促監督(du)管(guan)(guan)理(li)(li)部(bu)門嚴格履行職責(ze)(ze)；國務院建(jian)立融(rong)(rong)(rong)資性擔保(bao)業務監管(guan)(guan)部(bu)際聯席(xi)會議。《條(tiao)(tiao)例》規(gui)定了監督(du)管(guan)(guan)理(li)(li)部(bu)門的主要(yao)職責(ze)(ze)和(he)具體(ti)監管(guan)(guan)措(cuo)(cuo)施(shi)，以及融(rong)(rong)(rong)資擔保(bao)公(gong)司(si)應當遵守的監管(guan)(guan)要(yao)求。