| Notice by the General Office of the China Banking and Insurance Regulatory Commission of Issuing the Measures for the Supervisory Rating of Finance Lease Companies (for Trial Implementation) | | 中国银保监会办公厅关于印发金融租赁公司监管评级办法（试行）的通知 |
| All provincial local offices of the China Banking and Insurance Regulatory Commission ("CBIRC"): | | 各银保监局： |
| The Measures for the Supervisory Rating of Finance Lease Companies (for Trial Implementation), as approved by the CBIRC, are hereby issued to you for your compliance and implementation. | | 《金融租赁公司监管评级办法（试行）》已经银保监会同意，现印发给你们，请遵照执行。 |
| June 30, 2020 | | 2020年6月30日 |
| Measures for the Supervisory Rating of Finance Lease Companies (for Trial Implementation) | | 金融租赁公司监管评级办法（试行） |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 These Measures are developed in accordance with the Banking Supervision Law of the People's Republic of China, the Measures for the Administration of Financial Leasing Companies, and other laws and regulations for the purposes of comprehensively evaluating the operation management and risk profile of finance lease companies, reasonably allocating supervisory resources, strengthening classified supervision, and promoting the sustained and sound development of finance lease companies. | | 第一条 为全面评估金融租赁公司的经营管理与风险状况，合理配置监管资源，加强分类监管，促进金融租赁公司持续健康发展，根据《中华人民共和国银行业监督管理法》《金融租赁公司管理办法》等有关法律法规的规定，制定本办法。 |
| Article 2 The Measures shall apply to the supervisory rating of incorporated institutions of finance lease companies that are legally formed within the territory of the People's Republic of China and have been in operation for one full fiscal year. | | 第二条 本办法适用于在中华人民共和国境内依法设立且开业时间已满一个完整会计年度以上的金融租赁公司法人机构的监管评级。 |
| Article 3 The supervisory rating of finance lease companies is a regulatory process where the regulator makes evaluation and judgment over the overall situation of finance lease companies based on its daily supervision and other relevant information and in accordance with these Measures. It is the basis for classified supervision. | | 第三条 金融租赁公司监管评级是指监管机构根据日常监管掌握情况以及其他相关信息，按照本办法对金融租赁公司的整体状况作出评价判断的监管过程，是实施分类监管的基础。 |
| Article 4 The supervisory rating of finance lease companies shall be organized by the CBIRC and its local offices (including the provincial offices and sub-offices of the CBIRC) in accordance with these Measures. | | 第四条 金融租赁公司的监管评级工作由中国银行保险监督管理委员会（以下简称银保监会）及其派出机构（包括银保监局和银保监分局）按照本办法组织实施。 |
| Chapter II Rating Elements and Rating Methods | | 第二章 评级要素和评级方法 |
| Article 5 The supervisory rating elements for finance lease companies include four aspects: capital management, management quality, risk management, strategic management, and professional competence. The supervisory rating elements for finance lease companies consist of two types of rating indicators, quantitative and qualitative. | | 第五条 金融租赁公司监管评级要素包括资本管理、管理质量、风险管理、战略管理与专业能力等四方面内容。金融租赁公司监管评级要素由定量和定性两类评级指标组成。 |
| Article 6 The supervisory rating of finance lease companies mainly includes the following: | | 第六条 金融租赁公司监管评级主要包含以下内容： |
| 1. Weighting of rating elements: The standard weighting of rating elements is as follows: capital management (15%), management quality (25%), risk management (35%), and strategic management and professional competence (25%). | | （一）评级要素权重设置。各监管评级要素的标准权重分配如下：资本管理（15%）、管理质量（25%）、风险管理（35%）、战略管理与专业能力（25%）。 |
| 2. Scores of rating indicators and rating elements: The scores of rating indicators are determined by the supervisory personnel in light of their professional judgment after scoring criteria-based evaluation. The scores of rating elements are the sum of the scores of all rating indicators. | | （二）评级指标和评级要素得分。评级指标得分由监管人员按照评分标准评估后结合专业判断确定。评级要素得分为各评级指标得分加总。 |
| 3. Rating scores: Rating scores are obtained by weighting and summarizing the scores of rating elements according to the element weights. | | （三）评级得分。评级得分由各评级要素得分按照要素权重加权汇总后获得。 |
| 4. Determination of supervisory rating results: According to rating standards, the preliminary level and grade of the supervisory rating are determined by the rating scores, which, coupled with supervisory rating adjustment factors, lead to the supervisory rating results. | | （四）监管评级结果确定。根据分级标准，以评级得分确定监管评级初步级别和档次，在此基础上，结合监管评级调整因素形成监管评级结果。 |
| Article 7 The supervisory rating levels and grades for finance lease companies are divided into five levels (i.e. Level 1, Level 2 (A, B), Level 3 (A, B), Level 4, and Level 5) and seven grades. The higher the level is, the worse the rating is, and thus more supervisory attention is needed. | | 第七条 金融租赁公司的监管评级级别和档次分为1级、2级（A、B）、3级（A、B）、4级和5级共5个级别7个档次，级数越大表明评级越差，越需要监管关注。 |
The supervisory ratings awarded scores of 90 (inclusive) points or higher are Level 1; the supervisory ratings awarded scores of 70 (inclusive) points to 90 points are Level 2, among which those of 80 (inclusive) points to 90 points are Level 2A, and those of 70 (inclusive) points to 80 points Level 2B; the supervisory ratings awarded scores of 50 (inclusive) points to 70 points are Level 3, among which those of 60 points (inclusive) to 70 points are Level 3A, and those of 50 points (inclusive) to 60 points Level 3B; the supervisory ratings awarded scores of 40 (inclusive) points to 50 points are Level 4; the supervisory ratings awarded scores of not more than 40 points are Level 5.
．．．．．． | | 监管评级得分在90分（含）以上为1级；70分（含）至90分为2级，其中：80分（含）至90分为2A，70分（含）至80分为2B；50分（含）至70分为3级，其中：60分（含）至70分为3A，50分（含）至60分为3B；40分（含）至50分为4级；40分以下为5级。
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