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| Notice by the National Financial Regulatory Administration of Issuing the Interim Measures for the Regulatory Rating and Tiered and Categorized Regulation of Trust Companies | | 国家金融监督管理总局关于印发《信托公司监管评级与分级分类监管暂行办法》的通知 |
| (No. 11 [2023] of the National Financial Regulatory Administration) | | （金规〔2023〕11号） |
| All local offices of the National Financial Regulatory Administration, trust protection fund companies, trust registration companies, and trust industry associations: | | 各监管局，信托保障基金公司、信托登记公司、信托业协会： |
| The Interim Measures for the Regulatory Rating and Tiered and Categorized Regulation of Trust Companies are hereby issued to you for your compliance and implementation. | | 现将《信托公司监管评级与分级分类监管暂行办法》印发给你们，请遵照执行。 |
| National Financial Regulatory Administration | | 国家金融监督管理总局 |
| November 7, 2023 | | 2023年11月7日 |
| Interim Measures for the Regulatory Rating and Tiered and Categorized Regulation of Trust Companies | | 信托公司监管评级与分级分类监管暂行办法 |
| 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 Trust Law of the People's Republic of China, the Measures for Administration of Trust Companies (Order No. 2 [2007], CBRC), and other applicable laws and regulations for the purposes of comprehensively assessing the operation soundness and systemic impact of trust companies, effectively implementing categorized regulation, and promoting the sustainable and sound operation and differentiated development of trust companies. | | 第一条 为全面评估信托公司的经营稳健情况与系统性影响，有效实施分类监管，促进信托公司持续、健康运行和差异化发展，根据《中华人民共和国银行业监督管理法》、《中华人民共和国信托法》、《信托公司管理办法》（中国银行业监督管理委员会令2007年第2号）等法律法规，制定本办法。 |
| Article 2 These Measures shall apply to trust companies legally formed within the territory of the People's Republic of China, and trust companies that have been in operation for less than one fiscal year or have entered bankruptcy proceedings shall not be subject to regulatory rating. | | 第二条 本办法适用于在中华人民共和国境内依法设立的信托公司，开业时间不足一个会计年度和已进入破产程序的信托公司不参与监管评级。 |
| Article 3 “Regulatory rating of trust companies” means the regulatory work conducted by the National Financial Regulatory Administration (“NFRA”) and its local offices to evaluate and determine the management condition and overall risks of trust companies in accordance with these Measures based on the information obtained in routine regulation and other relevant information. | | 第三条 信托公司监管评级是指金融监管总局及其派出机构结合日常监管掌握的情况以及其他相关信息，按照本办法对信托公司的管理状况和整体风险作出评价判断的监管工作。 |
| The systemic impact assessment of trust companies means the regulatory work conducted by the NFRA to determine the degree of impact of the operation of an individual trust company on the overall stability of the financial system and its ability to serve the real economy in light of the relevant information obtained in routine regulation in accordance with these Measures. | | 信托公司系统性影响评估是指金融监管总局结合日常监管掌握的相关信息，按照本办法就单家信托公司经营状况对金融体系整体稳健性和服务实体经济能力的影响程度作出判断的监管工作。 |
| The results of regulatory ratings and systemic impact assessment of trust companies constitute the basis for categorized regulation. | | 信托公司监管评级和系统性影响评估结果是实施分类监管的基础。 |
| The NFRA and its local offices are collectively referred to as regulatory authorities. | | 金融监管总局及其派出机构以下统称监管机构。 |
| Article 4 “Categorized regulation” means the regulatory policy under which regulatory authorities, according to the results of the annual regulatory rating and the results of systemic impact assessment of trust companies, treat differently trust companies with different ratings and with systemic impact in terms of market access, business scope, regulatory standards, regulatory intensity, allocation of regulatory resources, and the implementation of specific regulatory measures. | | 第四条 分类监管是指监管机构根据信托公司年度监管评级结果及系统性影响评估结果，对不同级别和具有系统性影响的信托公司在市场准入、经营范围、监管标准、监管强度、监管资源配置以及采取特定监管措施等方面实施区别对待的监管政策。 |
| Article 5 The regulatory rating and systemic impact assessment of trust companies shall be organized and conducted by regulatory authorities under the principles of compliance with laws and regulations, objectiveness and impartiality, comprehensiveness and prudence. | | 第五条 信托公司的监管评级和系统性影响评估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 Regulatory Rating Elements and Rating Methods | | 第二章 监管评级要素与评级方法 |
| Article 6 The regulatory rating of trust companies shall include five modules, namely corporate governance, capital requirements, risk management, behavior management, and business transformation. Several rating elements are set in each module, consisting of qualitative factors and quantitative indicators. | | 第六条 信托公司监管评级包括公司治理、资本要求、风险管理、行为管理、业务转型等五个模块。各模块内设置若干评级要素，由定性要素和定量指标组成。 |
| The methods of regulatory rating of a trust company shall mainly include the following contents: | | 信托公司监管评级方法主要包含以下内容： |
| 1. Weights of the rating modules. The full score for the rating is 100. Weights are assigned to each rating module as follows: corporate governance (20%), capital requirements (20%), risk management (20%), behavior management (30%), and business transformation (10%). | | （一）评级模块权重设置。评级满分为100分，各评级模块的分值权重如下：公司治理（20%），资本要求（20%），风险管理（20%），行为管理（30%），业务转型（10%）。 |
| 2. Rating element scores. A score value is set for each rating element, in which key evaluation points and scoring principles are set for qualitative factors and indicator value requirements are set for quantitative indicators. Rating element scores shall be determined by regulatory rating personnel according to the actual circumstances of the company and by reference to key evaluation points, scoring principles, and indicator value requirements in light of professional judgments. | | （二）评级要素得分。对各评级要素设定分值，其中对定性要素设定评价要点和评分原则，对定量指标明确指标值要求。评级要素得分由监管评级人员根据公司实际情况，对照评价要点、评分原则及指标值要求，结合专业判断确定。 |
| 3. Rating module scores. A rating module score is the sum of all rating element scores. | | （三）评级模块得分。评级模块得分为各评级要素得分加总。 |
| 4. Rating scores. A rating score is obtained by aggregating the scores of each rating module, weighted according to the assigned module weights. | | （四）评级得分。评级得分由各评级模块得分按照模块权重加权汇总后获得。 |
| 5. Determination of ratings. The preliminary level of regulatory rating of a trust company shall be determined based on its rating score. On this basis, the regulatory rating result shall be formed by taking into account the adjustment factors for regulatory rating. | | （五）等级确定。根据评级得分确定信托公司监管评级的初步级别。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 Where a trust company falls under any of the following circumstances during the evaluation period, the regulatory authority may increase its preliminary evaluation score: | | 第七条 信托公司在评价期内存在下列情形之一的，监管机构可调增其初评得分： |
| 1. The company that has normal operation as a going concern increases its registered capital by 10% or more. | | （一）持续正常经营的公司，公司注册资本增加10%（含）以上； |
| 2. The company assists the regulatory authority in the risk disposal of any other financial institution. | | （二）协助监管机构对其他金融机构进行风险处置； |
| 3. Any other circumstance recognized by the regulatory authority. | | （三）监管机构认可的其他情形。 |
| Article 8 Where a trust company falls under any of the following circumstances during the evaluation period, the regulatory authority shall lower its preliminary evaluation result. | | 第八条 信托公司在评价期内存在下列情形的，监管机构应下调其初评结果。 |
| 1. Under any of the following circumstances, the preliminary evaluation result shall be downgraded by one grade: | | （一）存在下列情形之一的，初评结果下调一个级别： |
| (1) Frequently or massively providing regulatory arbitrage channels for other financial institutions. | | 1.多次或大量开展为其他金融机构提供监管套利的通道业务； |
| (2) Frequently selling trust products to unqualified investors. | | 2.多次向不合格投资者销售信托产品； |
| (3) Issuing a large number of commitment letters to trust product investors. | | 3.向信托产品投资者大量出具兜底承诺函； |
| (4) Engaging in the non-standard capital pool business for the first time. | | 4.新开展非标资金池业务； |
| (5) Rigidly redeeming trust products in violation of the New Regulation on Asset Management. | | 5.违反资管新规要求对信托产品进行刚性兑付； |
| (6) Illegally engaging in the unauthorized business. | | 6.违规从事未经批准的业务。 |
| 2. Under any of the following circumstances, the preliminary evaluation result shall be downgraded by two grades: | | （二）存在下列情形之一的，初评结果下调两个级别： |
| (1) Intentionally concealing major issues or problems from the regulatory authority, resulting in serious consequences. | | 1.故意向监管机构隐瞒重大事项或问题，造成严重后果； |
| (2) Frequently or massively conducting illegal affiliated transactions, leading to the occupation of the company's assets or severely damaging the lawful rights and interests of investors. | | 2.多次或大量开展违规关联交易，导致公司资产被占用，或严重损害投资者合法权益； |
| (3) Any major criminal case occurs, resulting in any significant business risk or adverse social impact. If a company takes the initiative to eliminate or mitigate the harmful consequences of any criminal case discovered in self-examination, its preliminary evaluation result may be downgraded by only one grade. | | 3.发生重大涉刑案件，引发重大业务风险或不良社会影响。对自查发现的涉刑案件，公司主动消除或减轻危害后果的，可只下调一个级别。 |
| 3. Where any of the following significant negative factors leads to major business risks of a company, the regulatory rating result shall not be higher than Grade 5: serious weakening of Party construction, serious defects in corporate governance, or serious issues in financial and data fraud. | | （三）出现下列重大负面因素之一，导致公司出现重大经营风险的，监管评级结果不得高于5级：党的建设严重弱化，公司治理存在严重缺陷，财务造假、数据造假问题严重等。 |
| 4. Under other circumstances determined by the regulatory authority where the regulatory rating shall be downgraded, the grade shall be downgraded according to the severity of the circumstances. | | （四）监管机构认定的其他应下调监管评级级别的情形，视情节严重程度决定下调幅度。 |
| Article 9 The regulatory rating results of trust companies are indicated on a scale of 1 to 6, with larger numbers indicating larger institutional risks and higher regulatory concerns. A rating of 1 shall be assigned if the final score of regulatory rating is 90 points or more, a rating of 2 shall be assigned if it is 80 or more but under 90 points, a rating of 3 shall be assigned if it is 70 or more but under 80 points, a rating of 4 shall be assigned if it is 60 or more but under 70 points, a rating of 5 shall be assigned if it is 40 or more but under 60 points, and a rating of 6 shall be assigned if it is under 40 points. A regulatory rating of Grade 3 or above is considered as good. | | 第九条 信托公司的监管评级结果分为1—6级，数值越大反映机构风险越大，需要越高程度的监管关注。其中，监管评级最终得分在90分（含）以上为1级，80分（含）—90分为2级；70分（含）—80分为3级，60分（含）—70分为4级；40分（含）—60分为5级；40分以下为6级。监管评级结果3级（含）以上为良好。 |
| ．．．．．． | | ．．．．．． |
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