| Notice by the China Banking and Insurance Regulatory Commission of Issuing the Rules and Procedures for the Off-site Regulation of Financing Guarantee Companies | | 中国银保监会关于印发融资担保公司非现场监管规程的通知 |
| The financial regulatory bureaus of all provinces, autonomous regions, and municipalities directly under the Central Government; all the local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); all policy banks, large banks, and joint-stock banks; foreign-funded banks; financial asset management companies; and all entities under the management of the CBIRC: | | 各省、自治区、直辖市地方金融监督管理局，各银保监局，各政策性银行、大型银行、股份制银行，外资银行，金融资产管理公司，各会管单位： |
| For the purposes of effectively conducting the off-site regulation of financing guarantee companies, the Inter-ministerial Joint Meeting on the Regulation of Financing Guarantee Business formulated the Rules and Procedures for the Off-site Regulation of Financing Guarantee Companies, which are hereby issued for your compliance and implementation. | | 为做好融资担保公司非现场监管工作，融资性担保业务监管部际联席会议制定了《融资担保公司非现场监管规程》，现印发给你们，请遵照执行。 |
| The financial regulatory bureaus of all provinces, autonomous regions, and municipalities directly under the Central Government shall deliver this Notice to relevant entities and financing guarantee companies in their jurisdictions. | | 请各省、自治区、直辖市地方金融监督管理局将本通知发至辖内有关单位和融资担保公司。 |
| This Notice shall come into force on September 1, 2020, upon which the Notice by the China Banking Regulatory Commission of Issuing the Explanation on Preparation of a YYYY Report on the Development and Regulation of the Financing Guarantee Industry in ** Province (Autonomous Region or Municipality Directly under the Central Government) and an Overview of ** Institution (No. 76 [2010], CBRC), the Notice by the China Banking Regulatory Commission of Strengthening the Statistical Work for the Financing Guarantee Industry (No. 80 [2010], CBRC), the Notice by the China Banking Regulatory Commission of Strengthening Statistics for Financing Guaranteed Loans and Transfer of Related Information (No. 95 [2010], CBRC), and the Notice by the General Office of the China Banking Regulatory Commission of Increasing Reports on Financing Guarantee Business (No. 167 [2014], CBRC General Office) shall be repealed; and the Information on the Development and Regulation of the Local Financing Guarantee Industry in the Notice of Issuing the Guiding Opinions on the Financing Guarantee Work in 2016 (No. 1 [2016], Office of the Inter-ministerial Joint Meeting on the Regulation of Financing Guarantee Business) shall cease to be submitted. | | 本通知自2020年9月1日起施行，《中国银监会关于印发〈XX省（自治区、直辖市）融资性担保行业XXXX年度发展与监管情况报告〉和〈XX机构概览〉编写说明的通知》（银监发〔2010〕76号）、《中国银监会关于加强融资性担保行业统计工作的通知》（银监发〔2010〕80号）、《中国银监会关于加强融资性担保贷款统计和有关资料转送工作的通知》（银监发〔2010〕95号）、《中国银监会办公厅关于增加融资性担保业务有关报表的通知》（银监办发〔2014〕167号）同时废止；《关于印发〈关于2016年融资担保工作的指导意见〉的通知》（融资担保办通〔2016〕1号）中的《本地区融资担保行业发展与监管有关情况》不再报送。 |
| China Banking and Insurance Regulatory Commission | | 中国银保监会 |
| July 14, 2020 | | 2020年7月14日 |
| Rules and Procedures for the Off-site Regulation of Financing Guarantee Companies | | 融资担保公司非现场监管规程 |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 For the purposes of specifying the segregation of duties and content of work related to the off-site regulation of financing guarantee companies, regulating the off-site regulation procedures and reporting routes and methods, improving the quality and efficiency of off-site regulation, and improving the system of regulatory reports on financing guarantee companies, these Rules and Procedures are formulated in accordance with relevant laws and regulations such as the Banking Supervision and Administration Law of the People's Republic of China and the Regulation on the Supervision and Administration of Financing Guarantee Companies. | | 第一条 为明确融资担保公司非现场监管的职责分工和工作内容，规范非现场监管的程序、报告路径和方法，提高非现场监管的工作质量和效率，完善融资担保公司监管报表制度，根据《中华人民共和国银行业监督管理法》和《融资担保公司监督管理条例》等有关法律法规，制定本规程。 |
| Article 2 For the purpose of these Rules and Procedures, “off-site regulation” means a continuing regulatory process in which the regulatory authorities collect the overall report data, operation and management condition, and other internal and external information of financing guarantee companies and the financing guarantee industry, analyze the overall risk condition of financing guarantee companies and the financing guarantee industry, give an opinion, and take corresponding measures. | | 第二条 本规程所称非现场监管是指监督管理部门通过收集融资担保公司以及行业整体的报表数据、经营管理情况和其他内外部资料等信息，对融资担保公司以及行业整体风险状况进行分析，做出评价，并采取相应措施的持续性监管过程。 |
| Article 3 Off-site regulation as a necessary means to regulate financing guarantee companies plays an important role in the collection of regulatory information, risk identification and judgment, and the formulation and implementation of regulatory actions. | | 第三条 非现场监管是监管融资担保公司的必要手段，在监管信息收集、风险识别判断、监管行动制定和实施中发挥重要作用。 |
| Article 4 For the purpose of these Rules and Procedures, “regulatory authority” means the authority charged by the people's government of a province, autonomous region, or municipality directly under the Central Government with the supervision and administration of local financing guarantee companies. | | 第四条 本规程所称监督管理部门，是指省、自治区、直辖市人民政府确定的负责本地区融资担保公司监督管理的部门。 |
| For the purpose of these Rules and Procedures, “financing guarantee company” means a limited liability company or joint stock limited company lawfully established carrying on financing guarantee business. | | 本规程所称融资担保公司，是指依法设立、经营融资担保业务的有限责任公司或者股份有限公司。 |
| Article 5 The China Banking and Insurance Regulatory Commission (“CBIRC”), as the entity taking the lead of the Inter-ministerial Joint Meeting on the Regulation of Financing Guarantee Business, shall be responsible for formulating unified rules of the off-site regulation of and regulatory reports on financing guarantee companies, urging and directing regulatory authorities to conduct off-site regulation, and strengthening information sharing and interconnection among the member entities of the Inter-ministerial Joint Meeting on the Regulation of Financing Guarantee Business. | | 第五条 银保监会作为融资性担保业务监管部际联席会议的牵头单位，负责制定统一的融资担保公司非现场监管规则和监管报表，督促指导监督管理部门开展非现场监管工作，加强与融资性担保业务监管部际联席会议成员单位的信息共享和互联互通。 |
| Regulatory authorities shall assume the main responsibilities for off-site regulation and be responsible for the off-site regulation of local incorporated financing guarantee companies and their branch offices. | | 监督管理部门承担非现场监管主责，负责本地区融资担保公司法人机构和分支机构非现场监管工作。 |
| For a branch office established by a financing guarantee company out of a province, autonomous region, or municipality directly under the Central Government, the regulatory authority in the place where the branch office is located shall be responsible for its off-site regulation, and the regulatory authority in the domicile of the financing guarantee company shall cooperate. | | 融资担保公司跨省、自治区、直辖市设立的分支机构，其非现场监管工作由分支机构所在地监督管理部门负责，融资担保公司住所地监督管理部门应当予以配合。 |
| CBIRC provincial offices (hereinafter referred to as the “CBIRC local offices”) shall be responsible for monitoring the cooperation between banking institutions (including incorporated institutions and branch offices) and financing guarantee companies (hereinafter referred to as the “bank-guarantor cooperation”) within their jurisdictions. | | 银保监会省级派出机构（以下称银保监局）负责监测辖内银行业金融机构（含法人及分支机构）与融资担保公司的合作（以下简称银担合作）情况。 |
| Article 6 Regulatory authorities shall, in the implementation of local off-site regulation, regard incorporated financing guarantee companies as the main regulatees, follow the principle of regulating legal persons, and strengthen the responsibilities of legal persons. Regulatory indicators and business indicators shall be calculated based on the non-consolidated financial statements of financing guarantee companies, so as to maintain consistent statistical standards. | | 第六条 监督管理部门实施本地区非现场监管工作应当以融资担保公司法人机构为主要监管对象，遵循法人监管原则，强化法人责任。监管指标和业务指标应当根据融资担保公司非合并财务报表计算，保持统计口径一致。 |
| Article 7 For off-site regulation, modern information technology such as big data shall be actively used to monitor risks in real time. The CBIRC shall be responsible for the construction and improvement of the National Financing Guarantee Companies Regulation Information System; and regulatory authorities shall be responsible for the construction and improvement of off-site regulation information systems within their jurisdictions. | | 第七条 非现场监管应当积极运用大数据等现代信息技术手段实时监测风险。银保监会负责全国融资担保公司监管信息系统的建设和完善；监督管理部门负责辖内非现场监管信息系统的建设和完善。 |
| Article 8 The off-site regulation of financing guarantee companies shall include four stages: information collection and verification, risk monitoring and assessment, information submission and use, and regulatory measures. | | 第八条 融资担保公司非现场监管包括信息收集与核实、风险监测与评估、信息报送与使用、监管措施四个阶段。 |
| Chapter II Information Collection and Verification | | 第二章 信息收集与核实 |
Article 9 Regulatory authorities and CBIRC local offices shall respectively collect data and non-data information from financing guarantee companies and banking institutions as required by these Rules and Procedures, ensure the authenticity, accuracy, timeliness, and completeness of information, and organize the information in such a manner as to prepare off-site regulatory reports.
．．．．．． | | 第九条 监督管理部门和银保监局应当按照本规程的要求分别向融资担保公司和银行业金融机构收集数据和非数据信息，确保信息的真实、准确、及时、完整，并整理成非现场监管报表。
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