On February 15, the CBRC issued the regulations on off-site supervision of financial leasing companies (hereinafter referred to as the regulations), which made it clear that local financial regulatory departments should pay attention to the changes in the external business environment, corporate governance, internal control, risk management ability, asset quality, etc. of financial leasing companies Liquidity index, etc.
The regulations require that local financial regulatory authorities should strengthen the supervision and inspection of credit risk and liquidity risk of financial leasing companies. In combination with other regulatory means, carefully verify the asset quality and risk of the financial leasing company, focusing on whether the leased goods meet the regulatory requirements, whether there is illegal financing, whether the non-performing assets are truthfully reflected, and whether the business concentration and relevance exceed the standard.
For abnormal changes in the regulatory indicators of financial leasing companies found in off-site supervision, local financial regulatory departments can take measures such as risk tips, interviews, on-site visits and rectification requirements, and closely monitor the progress of rectification.
In terms of regulatory measures, the regulations make it clear that local financial regulatory departments can carry out differentiated supervision according to the risk severity of financial leasing companies, and take regulatory measures such as improving the frequency of information submission, requiring to enrich the risk management force, carrying out risk tips and regulatory notifications, carrying out regulatory talks, and improving the frequency of on-site inspection. Local financial regulatory authorities in key institutions, key fields and key regions with prominent risks shall carry out special inspections to strictly prevent major potential risks, urge the company to rectify within a time limit according to the inspection results, and take corresponding measures in accordance with laws, regulations and regulatory provisions.
