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融(rong)(rong)(rong)(rong)資擔(dan)保行業(ye)對于發(fa)展普(pu)惠金融(rong)(rong)(rong)(rong)，促進資金融(rong)(rong)(rong)(rong)通，特別(bie)是(shi)解決小微企業(ye)和“三(san)農”融(rong)(rong)(rong)(rong)資難、融(rong)(rong)(rong)(rong)資貴問題具有(you)重要作用。我(wo)國(guo)改革開放四十年來，始終高度(du)重視融(rong)(rong)(rong)(rong)資擔(dan)保工(gong)作。

所謂(wei)融(rong)資(zi)(zi)擔(dan)保，是指擔(dan)保人為被擔(dan)保人借(jie)款(kuan)、發行(xing)債券等債務融(rong)資(zi)(zi)提供擔(dan)保的(de)行(xing)為；所謂(wei)融(rong)資(zi)(zi)擔(dan)保公(gong)司，是指依法設立、經營融(rong)資(zi)(zi)擔(dan)保業務的(de)有限責任公(gong)司或者(zhe)股份(fen)有限公(gong)司。

融資擔保成績斐然

融資擔(dan)保(bao)(bao)(bao)是擔(dan)保(bao)(bao)(bao)業務中最(zui)主要的品種之(zhi)一，是隨著商(shang)業信(xin)(xin)用、金融信(xin)(xin)用的發展需要和擔(dan)保(bao)(bao)(bao)對象的融資需求而產生(sheng)的一種信(xin)(xin)用中介行為。1993年，我(wo)國(guo)第一家專業信(xin)(xin)用擔(dan)保(bao)(bao)(bao)公司(si)——中國(guo)經濟技術投資擔(dan)保(bao)(bao)(bao)（有(you)(you)限(xian)）公司(si)（現更名為“中國(guo)投資擔(dan)保(bao)(bao)(bao)有(you)(you)限(xian)公司(si)”）成立，意味著真正意義上的融資擔(dan)保(bao)(bao)(bao)機構開始出現。20多年來，融資擔(dan)保(bao)(bao)(bao)公司(si)正逐步(bu)從“野蠻生(sheng)長”向(xiang)“有(you)(you)序生(sheng)長”規范(fan)經營轉型，融資擔(dan)保(bao)(bao)(bao)在支持小微(wei)企業與(yu)“三農”上起到了積極(ji)作用。

近(jin)期，中國融資擔保業(ye)(ye)協會發布(bu)“關于(yu)行(xing)業(ye)(ye)機構(gou)踐行(xing)普惠金融主(zhu)動擁(yong)抱(bao)監管(guan)倡(chang)議(yi)書”，倡(chang)議(yi)行(xing)業(ye)(ye)機構(gou)積極發展普惠金融、主(zhu)動擁(yong)抱(bao)監管(guan)，堅守融資擔保主(zhu)業(ye)(ye)，服務實體經濟，做精風險管(guan)理，加強(qiang)行(xing)業(ye)(ye)自律建設。倡(chang)議(yi)書指(zhi)出，擔保公司應(ying)努力提高小(xiao)微企業(ye)(ye)和“三農”擔保責任余(yu)額比(bi)例及戶數占比(bi)，著力解決小(xiao)微企業(ye)(ye)和“三農”融資難融資貴問題。

融資擔保行業任重道遠

近(jin)年來，我國融(rong)資(zi)擔(dan)(dan)保行(xing)業(ye)(ye)(ye)發(fa)展(zhan)較(jiao)快，但也(ye)存(cun)在監督管理不到位、經營(ying)行(xing)為(wei)(wei)不規范(fan)、不審慎甚至引發(fa)風險(xian)、為(wei)(wei)小微企業(ye)(ye)(ye)和“三(san)農”服務的意愿(yuan)有待(dai)增強和能力有待(dai)提高(gao)等(deng)問題。此外，前(qian)些年民營(ying)融(rong)資(zi)擔(dan)(dan)保公司生長迅速(su)，行(xing)業(ye)(ye)(ye)準(zhun)入門檻(jian)也(ye)較(jiao)低，企業(ye)(ye)(ye)風控能力比較(jiao)差，為(wei)(wei)了逐(zhu)利選(xuan)擇高(gao)收益(yi)高(gao)風險(xian)的項目，甚至做著(zhu)融(rong)資(zi)、放高(gao)利貸、非法(fa)集(ji)資(zi)等(deng)違(wei)法(fa)違(wei)規業(ye)(ye)(ye)務。對此，我們要切實加大政(zheng)策扶持力度，完(wan)善監管制(zhi)度，有效防范(fan)風險(xian)，促(cu)進融(rong)資(zi)擔(dan)(dan)保行(xing)業(ye)(ye)(ye)健康發(fa)展(zhan)，更好地為(wei)(wei)小微企業(ye)(ye)(ye)和“三(san)農”服務。

一是開(kai)展業務(wu)(wu)(wu)要依法(fa)。融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)開(kai)展業務(wu)(wu)(wu)，要嚴(yan)(yan)格遵守法(fa)律法(fa)規(gui)，審(shen)慎經營(ying)，誠實(shi)守信，不(bu)(bu)得損害(hai)國(guo)家利(li)益、社會公(gong)(gong)共利(li)益和(he)他人(ren)合法(fa)權益。融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)的業務(wu)(wu)(wu)具有金融(rong)(rong)屬性，需要嚴(yan)(yan)格監管。設立(li)(li)融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)，要符合《中華(hua)人(ren)民共和(he)國(guo)公(gong)(gong)司(si)法(fa)》的規(gui)定，并具備《條(tiao)例》和(he)《通知》中的有關條(tiao)件(jian)，從源頭上強化治理。各地要按照《條(tiao)例》和(he)《通知》要求(qiu)，規(gui)范融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)業務(wu)(wu)(wu)經營(ying)行為，未經依法(fa)批(pi)準，轄內任(ren)何單位(wei)和(he)個人(ren)不(bu)(bu)得擅自(zi)經營(ying)融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)業務(wu)(wu)(wu)，任(ren)何單位(wei)不(bu)(bu)得在名稱中使用“融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)”字樣；未向(xiang)監管部(bu)門提交設立(li)(li)融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)申請和(he)未取得批(pi)準，擅自(zi)經營(ying)融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)業務(wu)(wu)(wu)的單位(wei)和(he)個人(ren)的，應按照《條(tiao)例》和(he)《通知》及相(xiang)關規(gui)定，立(li)(li)刻(ke)停止其經營(ying)融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)業務(wu)(wu)(wu)，依法(fa)予以(yi)處罰。

融(rong)資擔保公司行(xing)政審批和備(bei)案工作，要按照(zhao)《條(tiao)例》和《通知》相(xiang)關規(gui)定執行(xing)；融(rong)資擔保公司要嚴格(ge)按照(zhao)《條(tiao)例》和《通知》經(jing)營規(gui)則(ze)(ze)進(jin)行(xing)合(he)規(gui)經(jing)營，否則(ze)(ze)將依法(fa)予以從嚴處罰(fa)。

二是(shi)經營(ying)證(zheng)照要齊全。首(shou)先(xian)，辦理融(rong)資(zi)擔(dan)(dan)保(bao)(bao)業(ye)務(wu)必(bi)須(xu)取得(de)融(rong)資(zi)擔(dan)(dan)保(bao)(bao)業(ye)務(wu)經營(ying)許可證(zheng)，無牌照不得(de)開展(zhan)業(ye)務(wu)。融(rong)資(zi)擔(dan)(dan)保(bao)(bao)業(ye)務(wu)包括借(jie)款類擔(dan)(dan)保(bao)(bao)業(ye)務(wu)、發(fa)(fa)行債券擔(dan)(dan)保(bao)(bao)業(ye)務(wu)和其他融(rong)資(zi)擔(dan)(dan)保(bao)(bao)業(ye)務(wu)。其他融(rong)資(zi)擔(dan)(dan)保(bao)(bao)是(shi)指擔(dan)(dan)保(bao)(bao)人(ren)為被(bei)擔(dan)(dan)保(bao)(bao)人(ren)發(fa)(fa)行基金、信托、資(zi)產管理計劃(hua)、資(zi)產支(zhi)持證(zheng)券等(deng)提供(gong)擔(dan)(dan)保(bao)(bao)的行為。

《融(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務(wu)(wu)(wu)經營(ying)(ying)許(xu)(xu)可(ke)證(zheng)管(guan)(guan)(guan)(guan)理辦(ban)法(fa)》明(ming)(ming)確了(le)(le)融(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務(wu)(wu)(wu)經營(ying)(ying)許(xu)(xu)可(ke)證(zheng)定義，明(ming)(ming)確了(le)(le)許(xu)(xu)可(ke)證(zheng)應當載明(ming)(ming)的(de)內容，規定了(le)(le)監(jian)督管(guan)(guan)(guan)(guan)理部(bu)門(men)(men)頒(ban)發(fa)(fa)(fa)、換(huan)發(fa)(fa)(fa)、吊銷、注銷融(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務(wu)(wu)(wu)經營(ying)(ying)許(xu)(xu)可(ke)證(zheng)的(de)條件和流(liu)程，是監(jian)管(guan)(guan)(guan)(guan)部(bu)門(men)(men)依法(fa)頒(ban)發(fa)(fa)(fa)的(de)特(te)許(xu)(xu)融(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)公司經營(ying)(ying)融(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務(wu)(wu)(wu)的(de)法(fa)律文件，對監(jian)管(guan)(guan)(guan)(guan)部(bu)門(men)(men)做好(hao)許(xu)(xu)可(ke)證(zheng)管(guan)(guan)(guan)(guan)理工作提出了(le)(le)具(ju)體要(yao)(yao)求。尤其是監(jian)管(guan)(guan)(guan)(guan)部(bu)門(men)(men)要(yao)(yao)將融(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務(wu)(wu)(wu)經營(ying)(ying)許(xu)(xu)可(ke)證(zheng)作為重要(yao)(yao)憑證(zheng)專門(men)(men)管(guan)(guan)(guan)(guan)理，建立融(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務(wu)(wu)(wu)經營(ying)(ying)許(xu)(xu)可(ke)證(zheng)頒(ban)發(fa)(fa)(fa)、換(huan)發(fa)(fa)(fa)、吊銷、注銷、收回、收繳、銷毀(hui)登記制度(du)。

三是(shi)計量余(yu)(yu)(yu)(yu)(yu)額(e)(e)要統一(yi)(yi)。我們要弄(nong)懂弄(nong)通融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)(yu)(yu)(yu)(yu)額(e)(e)就(jiu)是(shi)各項(xiang)融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務在(zai)保(bao)(bao)余(yu)(yu)(yu)(yu)(yu)額(e)(e)，按照《融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)(yu)(yu)(yu)(yu)額(e)(e)計量辦(ban)法》規定(ding)的(de)(de)對應權重加權之和(he)；對于(yu)按比(bi)例分擔(dan)(dan)(dan)風險(xian)的(de)(de)融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務，融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)(yu)(yu)(yu)(yu)額(e)(e)按融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公司實際承擔(dan)(dan)(dan)的(de)(de)比(bi)例計算(suan)。融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公司的(de)(de)融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)(yu)(yu)(yu)(yu)額(e)(e)不(bu)得超(chao)(chao)過(guo)其(qi)凈資(zi)(zi)(zi)(zi)(zi)產(chan)的(de)(de)10倍，小(xiao)微企業(ye)和(he)農戶融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)在(zai)一(yi)(yi)定(ding)條件下可以適當放寬。融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公司對同一(yi)(yi)被(bei)擔(dan)(dan)(dan)保(bao)(bao)人(ren)的(de)(de)融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)(yu)(yu)(yu)(yu)額(e)(e)不(bu)得超(chao)(chao)過(guo)其(qi)凈資(zi)(zi)(zi)(zi)(zi)產(chan)的(de)(de)10%，對同一(yi)(yi)被(bei)擔(dan)(dan)(dan)保(bao)(bao)人(ren)及(ji)其(qi)關(guan)聯方的(de)(de)融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)(yu)(yu)(yu)(yu)額(e)(e)不(bu)得超(chao)(chao)過(guo)其(qi)凈資(zi)(zi)(zi)(zi)(zi)產(chan)的(de)(de)15%。

融資擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)責(ze)任(ren)余額(e)不得(de)超(chao)過融資擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)公司凈資產（扣除對(dui)其他融資擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)公司和(he)再擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)公司的(de)股權投資）的(de)10倍(bei)，對(dui)于符合主要(yao)(yao)服務(wu)(wu)小微(wei)企業(ye)(ye)和(he)“三農(nong)”條件的(de)融資擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)公司，可以提高至15倍(bei)；對(dui)同一(yi)被擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人、同一(yi)被擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人及其關聯方的(de)融資擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)責(ze)任(ren)余額(e)不得(de)超(chao)過相應的(de)比(bi)例。對(dui)《條例》施(shi)行(xing)(xing)前發(fa)生的(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)本基金擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)業(ye)(ye)務(wu)(wu)，存量業(ye)(ye)務(wu)(wu)可不計入融資擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)責(ze)任(ren)余額(e)，但要(yao)(yao)向監督管(guan)理(li)部門單(dan)獨列示報告；對(dui)于2017年10月(yue)1日前發(fa)生的(de)發(fa)行(xing)(xing)債券擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)業(ye)(ye)務(wu)(wu)，集中度指(zhi)(zhi)標(biao)繼(ji)續執行(xing)(xing)原(yuan)有監管(guan)制度有關規(gui)定(ding)，2017年10月(yue)1日后發(fa)生的(de)發(fa)行(xing)(xing)債券擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)業(ye)(ye)務(wu)(wu)，集中度指(zhi)(zhi)標(biao)按(an)照《融資擔(dan)(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)責(ze)任(ren)余額(e)計量辦法》的(de)規(gui)定(ding)執行(xing)(xing)。

四是資(zi)(zi)(zi)(zi)產(chan)比(bi)例(li)要嚴格。我們要嚴格按照(zhao)《融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)司(si)(si)資(zi)(zi)(zi)(zi)產(chan)比(bi)例(li)管理辦法》，積極引導融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)司(si)(si)專注主(zhu)業(ye)、審慎經(jing)營，確保(bao)(bao)融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)司(si)(si)保(bao)(bao)持充足(zu)代償能力，優先保(bao)(bao)障資(zi)(zi)(zi)(zi)產(chan)流動(dong)性(xing)和安全性(xing)，將融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)司(si)(si)主(zhu)要資(zi)(zi)(zi)(zi)產(chan)按照(zhao)形態(tai)(tai)分為(wei)Ⅰ、Ⅱ、Ⅲ級(ji)，對資(zi)(zi)(zi)(zi)產(chan)比(bi)例(li)進行(xing)管控：融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)司(si)(si)凈(jing)資(zi)(zi)(zi)(zi)產(chan)與(yu)未到期責任準備金(jin)、擔(dan)(dan)(dan)保(bao)(bao)賠償準備金(jin)之(zhi)和不(bu)得(de)低于資(zi)(zi)(zi)(zi)產(chan)總(zong)額的(de)60%；融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)司(si)(si)Ⅰ級(ji)資(zi)(zi)(zi)(zi)產(chan)、Ⅱ級(ji)資(zi)(zi)(zi)(zi)產(chan)之(zhi)和不(bu)得(de)低于資(zi)(zi)(zi)(zi)產(chan)總(zong)額扣除應收(shou)代償款后的(de)70%；Ⅰ級(ji)資(zi)(zi)(zi)(zi)產(chan)不(bu)得(de)低于資(zi)(zi)(zi)(zi)產(chan)總(zong)額扣除應收(shou)代償款后的(de)20%；Ⅲ級(ji)資(zi)(zi)(zi)(zi)產(chan)不(bu)得(de)高于資(zi)(zi)(zi)(zi)產(chan)總(zong)額扣除應收(shou)代償款后的(de)30%。融(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)司(si)(si)要建立(li)好動(dong)態(tai)(tai)的(de)資(zi)(zi)(zi)(zi)產(chan)比(bi)例(li)管理機制，確保(bao)(bao)資(zi)(zi)(zi)(zi)產(chan)等各項風險指標符(fu)合規定比(bi)例(li)。

五(wu)是(shi)銀(yin)擔(dan)(dan)合(he)(he)(he)作(zuo)(zuo)要(yao)緊密。對《銀(yin)行業(ye)金融(rong)機構與融(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)公(gong)(gong)司業(ye)務合(he)(he)(he)作(zuo)(zuo)指引(yin)》要(yao)深(shen)刻理解(jie)，要(yao)在規范銀(yin)擔(dan)(dan)合(he)(he)(he)作(zuo)(zuo)行為(wei)，維護雙方合(he)(he)(he)法權益，促進(jin)銀(yin)擔(dan)(dan)合(he)(he)(he)作(zuo)(zuo)健(jian)康(kang)發展，更好地服(fu)務小微企(qi)業(ye)和“三農”上下功(gong)夫(fu)。因此，要(yao)嚴(yan)格遵(zun)循自愿原(yuan)則(ze)、平(ping)等(deng)原(yuan)則(ze)、公(gong)(gong)平(ping)誠信(xin)原(yuan)則(ze)、合(he)(he)(he)規審慎(shen)經營原(yuan)則(ze)，綜合(he)(he)(he)考量擔(dan)(dan)保(bao)(bao)(bao)(bao)公(gong)(gong)司治(zhi)理結構、資(zi)本(ben)(ben)金實力、風控能力、合(he)(he)(he)規情況(kuang)，信(xin)用記錄(lu)及是(shi)否(fou)加(jia)入再擔(dan)(dan)保(bao)(bao)(bao)(bao)體系等(deng)因素，科學、公(gong)(gong)平(ping)、合(he)(he)(he)理確定與擔(dan)(dan)保(bao)(bao)(bao)(bao)公(gong)(gong)司合(he)(he)(he)作(zuo)(zuo)的基(ji)本(ben)(ben)標(biao)準，并向申請合(he)(he)(he)作(zuo)(zuo)的擔(dan)(dan)保(bao)(bao)(bao)(bao)公(gong)(gong)司公(gong)(gong)開。

銀(yin)(yin)擔(dan)(dan)合作(zuo)(zuo)雙方(fang)要嚴格遵守相關(guan)法(fa)律法(fa)規(gui)和(he)監管(guan)規(gui)定，建立(li)可持(chi)(chi)續的、合規(gui)審慎經營(ying)的合作(zuo)(zuo)模式(shi)。禁止銀(yin)(yin)行(xing)(xing)與(yu)(yu)(yu)非持(chi)(chi)牌融(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)合作(zuo)(zuo)。銀(yin)(yin)擔(dan)(dan)合作(zuo)(zuo)向(xiang)小(xiao)微企業(ye)和(he)“三農”進(jin)行(xing)(xing)政(zheng)策傾斜(xie)，對于(yu)風險容忍(ren)度、融(rong)資(zi)(zi)(zi)成本、費率等(deng)予以優惠條件。政(zheng)府依(yi)法(fa)設立(li)的融(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)基(ji)金(jin)(jin)(jin)、信用(yong)保(bao)(bao)證基(ji)金(jin)(jin)(jin)等(deng)與(yu)(yu)(yu)銀(yin)(yin)行(xing)(xing)，擔(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)與(yu)(yu)(yu)金(jin)(jin)(jin)融(rong)資(zi)(zi)(zi)產管(guan)理(li)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)、信托(tuo)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)、財務公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)、金(jin)(jin)(jin)融(rong)租賃公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)、消費金(jin)(jin)(jin)融(rong)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)、貸款公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)等(deng)依(yi)法(fa)設立(li)的金(jin)(jin)(jin)融(rong)機構(gou)以及小(xiao)額(e)貸款公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)、融(rong)資(zi)(zi)(zi)租賃公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)、商業(ye)保(bao)(bao)理(li)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)等(deng)開展業(ye)務合作(zuo)(zuo)的，要嚴格按《銀(yin)(yin)行(xing)(xing)業(ye)金(jin)(jin)(jin)融(rong)機構(gou)與(yu)(yu)(yu)融(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)業(ye)務合作(zuo)(zuo)指引》要求遵照執行(xing)(xing)。