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| Notice by the National Financial Regulatory Administration of Issuing the Measures for the Supervisory Rating of Financial Leasing Companies | | 国家金融监督管理总局关于印发金融租赁公司监管评级办法的通知 |
| (No. 3 [2025] of the National Financial Regulatory Administration) | | （金规〔2025〕3号） |
| All local offices of the National Financial Regulatory Administration: | | 各金融监管局： |
| The Measures for the Supervisory Rating of Financial Leasing Companies are hereby issued to you for your compliance and implementation. | | 现将《金融租赁公司监管评级办法》印发给你们，请遵照执行。 |
| National Financial Regulatory Administration | | 国家金融监督管理总局 |
| January 23, 2025 | | 2025年1月23日 |
| Measures for the Supervisory Rating of Financial Leasing Companies | | 金融租赁公司监管评级办法 |
| 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 (Order No. 6 [2024] of the National Financial Regulatory Administration), and other relevant laws and departmental rules for the purpose of comprehensively assessing the operational management and risk profile of financial leasing companies, reasonably allocating supervisory resources, effectively implementing classified supervision, promoting sound operations and standardized development of finance lease companies, and continuously enhancing their ability to serve the real economy. | | 第一条 为全面评估金融租赁公司的经营管理和风险状况，合理配置监管资源，有效实施分类监管，促进金融租赁公司稳健经营和规范发展，持续提升服务实体经济能力，根据《中华人民共和国银行业监督管理法》和《金融租赁公司管理办法》（国家金融监督管理总局令2024年第6号）等有关法律、部门规章的规定，制定本办法。 |
| Article 2 These Measures apply to the regulatory rating of financial leasing companies that are legally established within the territory of the People's Republic of China and have been in operation for one full fiscal year or more. Financial leasing companies established in the current year may be subject to a trial rating in accordance with these Measures. | | 第二条 本办法适用于在中华人民共和国境内依法设立的开业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。对当年新设立的金融租赁公司，可以依据本办法进行试评级。 |
| Specialized subsidiaries of a financial leasing company shall be incorporated into the parent company's rating and shall not be subject to separate regulatory ratings. | | 金融租赁公司专业子公司纳入母公司评级考量，不单独开展监管评级。 |
| undergo separate regulatory ratings. | | |
| Article 3 The regulatory rating of financial leasing companies means the regulatory process through which the National Financial Regulatory Administration and its local offices ("regulatory authorities") evaluate and assess the overall status of financial leasing companies, based on daily regulatory information and other relevant data, in accordance with these Measures. This rating serves as the foundation for implementing classified supervision. | | 第三条 金融租赁公司监管评级是指国家金融监督管理总局及其派出机构（以下简称监管机构）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。 |
| Classified supervision means the regulatory approach whereby regulatory authorities implement differentiated regulatory policies for financial leasing companies of different rating levels, based on their regulatory rating results, risk levels, and other relevant factors, in areas such as market access, regulatory measures, and resource allocation. | | 分类监管是指监管机构根据金融租赁公司监管评级结果，参考金融租赁公司风险分级等情况，对不同评级级别的金融租赁公司在市场准入、监管措施以及监管资源配置等方面实施有所区别的监管政策。 |
| Article 4 The regulatory rating of financial leasing companies is organized by regulatory authorities in accordance with the principles of legality, compliance, objectivity, fairness, comprehensiveness, and prudence. | | 第四条 金融租赁公司的监管评级工作由监管机构按照依法合规、客观公正、全面审慎的原则组织实施。 |
| Chapter II Rating Elements and Results | | 第二章 评级要素及评级结果 |
| Article 5 The regulatory rating elements for financial leasing companies include corporate governance, capital management, risk management, professional competence, and information technology management. The regulatory rating indicators consist of both quantitative and qualitative indicators. | | 第五条 金融租赁公司监管评级要素包括公司治理、资本管理、风险管理、专业能力、信息科技管理等五个部分。金融租赁公司监管评级指标由定量和定性两类评级指标组成。 |
| Article 6 The maximum score for the comprehensive regulatory rating of financial leasing companies is 100 points, with the following weightings: corporate governance (20%), capital management (15%), risk management (30%), professional competence (25%), and information technology management (10%). | | 第六条 金融租赁公司监管评级综合得分的满分为100分，各部分的分值权重分别为公司治理（20%）、资本管理（15%）、风险管理（30%）、专业能力（25%）、信息科技管理（10%）。 |
| Each rating element has a maximum score of 100 points. The scores for each element are weighted and aggregated to form the comprehensive rating score. | | 每一项评级要素满分均为100分，各评级要素得分按照要素分值权重加权汇总后形成评级综合得分。 |
| Article 7 Financial leasing companies are rated from Level 1 (highest) to Level 5 (lowest), with Level S reserved for special circumstances. Levels 2 and 3 are further divided into sub-levels A and B. Companies experiencing significant risks are directly assigned Level 5, while those undergoing restructuring, receivership, or market exit are designated as Level S upon regulatory confirmation and are exempt from the annual regulatory rating. | | 第七条 金融租赁公司的监管评级结果从优到劣分为1—5级和S级，其中2级和3级进一步细分为A、B两个档次。金融租赁公司出现重大风险的，直接划分为5级。处于重组、被接管、实施市场退出等情况的金融租赁公司经监管机构认定后直接列为S级，不参加当年监管评级。 |
| 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 not more than 50 points are Level 4. | | 评级综合得分在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；50分以下的为4级。 |
| Chapter III Organization and Implementation | | 第三章 组织实施 |
| Article 8 The regulatory rating cycle for financial leasing companies is one year, with the evaluation period spanning from January 1 to December 31 of the previous year. In principle, the regulatory rating process shall be completed by the end of April each year. | | 第八条 金融租赁公司的监管评级周期为一年，评价期间为上一年1月1日至12月31日。监管评级工作原则上应当于每年4月底前完成。 |
| ．．．．．． | | ．．．．．． |
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