2020年04月02日  星期四
中国人民银行有关负责人就《关于规范金融机构资产管理业务的指导意见》答记者问
2018年04月27日来源:中国人民银行网站
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2018NIAN4YUE27RI,JINGGUOWUYUANTONGYI,《GUANYUGUIFANJINRONGJIGOUZICHANGUANLIYEWUDEZHIDAOYIJIAN》(YIXIAJIANCHENG《YIJIAN》)ZHENGSHIFABU。RIQIAN,ZHONGGUORENMINYINXINGYOUGUANFUZERENJIU《YIJIAN》XIANGGUANWENTIHUIDALEJIZHETIWEN。

一、公开征求意见及吸收情况如何?

JINGGUOWUYUANPIZHUN,《YIJIAN》YU2017NIAN11YUE17RIQIXIANGSHEHUIGONGKAIZHENGQIUYIJIAN,WEIQIYIGEYUE。ZHENGQIUYIJIANGUOCHENGZHONG,JINRONGJIGOU、ZHUANJIAXUEZHE、SHEHUIGONGZHONGDENGGEFANGJIYULEGUANGFANGUANZHU。ZHONGGUORENMINYINXINGHUITONGXIANGGUANBUMENDUIFANKUIYIJIANJINXINGFANFUYANJIUHESHENSHENJUECE,CHONGFENXISHOULEQIZHONGKEXUEHELIDEYIJIAN,JIEHESHICHANGYINGXIANGPINGGUJIEGUO,DUIXIANGGUANTIAOKUANJINXINGLEYIXIAXIUGAIWANSHAN。

澳门BBIN视讯游戏ZAIFEIBIAOZHUNHUAZHAIQUANLEIZICHANTOUZIFANGMIAN,《YIJIAN》MINGQUEBIAOZHUNHUAZHAIQUANLEIZICHANDEHEXINYAOSU,TICHUQIXIANPIPEI、XIANEGUANLIDENGJIANGUANCUOSHI,YINDAOSHANGYEYINXINGYOUXUYASUOFEIBIAOCUNLIANGGUIMO。

ZAICHANPINJINGZHIHUAGUANLIFANGMIAN,《YIJIAN》YAOQIUZICHANGUANLI(YIXIAJIANCHENGZIGUAN)YEWUBUDECHENGNUOBAOBENBAOSHOUYI,MINGQUEGANGXINGDUIFUDERENDINGJICHUFABIAOZHUN,GULIYISHIZHIJILIANGSUOTOUJINRONGZICHAN,TONGSHIKAOLVDAOBUFENZICHANSHANGBUJUBEIYISHIZHIJILIANGDETIAOJIAN,JIANGUSHICHANGSUQIU,YUNXUDUIFUHEYIDINGTIAOJIANDEJINRONGZICHANYITANYUCHENGBENJILIANG。

ZAIXIAOCHUDUOCENGQIANTAOFANGMIAN,《YIJIAN》TONGYITONGLEIZIGUANCHANPINDEJIANGUANBIAOZHUN,YAOQIUJIANGUANBUMENDUIZIGUANYEWUSHIXINGPINGDENGZHUNRU,CUJINZIGUANCHANPINHUODEPINGDENGZHUTIDIWEI,CONGGENYUANSHANGXIAOCHUDUOCENGQIANTAODEDONGJI。TONGSHI,JIANGQIANTAOCENGJIXIANZHIWEIYICENG,JINZHIKAIZHANDUOCENGQIANTAOHETONGDAOYEWU。

澳门BBIN视讯游戏ZAITONGYIGANGGANSHUIPINGFANGMIAN,《YIJIAN》CHONGFENKAOLVLESHICHANGXUQIUHECHENGSHOULI,GENJUBUTONGCHANPINDEFENGXIANDENGJISHEZHILEBUTONGDEFUZHAIGANGGAN,CANZHAOXINGYEJIANGUANBIAOZHUN,DUIYUNXUFENJIDECHANPINSHEDINGLEBUTONGDEFENJIBILI。

ZAIHELISHEZHIGUODUQIFANGMIAN,JINGGUOSHENRUDECESUANPINGGU,XIANGBIZHENGQIUYIJIANGAO,《YIJIAN》JIANGGUODUQIYANZHANGZHI2020NIANDI,JIYUJINRONGJIGOUCHONGZUDEDIAOZHENGHEZHUANXINGSHIJIAN。DUIGUODUQIJIESHUHOURENGWEIDAOQIDEFEIBIAODENGCUNLIANGZICHANYEZUOCHUTUOSHANANPAI,YINDAOJINRONGJIGOUZHUANHUIZICHANFUZHAIBIAONEI,QUEBAOSHICHANGWENDING。

二、制定出台《意见》的背景是什么?

JINNIANLAI,WOGUOJINRONGJIGOUZIGUANYEWUKUAISUFAZHAN,GUIMOBUDUANPANSHENG,JIEZHI2017NIANMO,BUKAOLVJIAOCHACHIYOUYINSU,ZONGGUIMOYIDABAIWANYIYUAN。QIZHONG,YINXINGBIAOWAILICAICHANPINZIJINYUEWEI22.2WANYIYUAN,XINTUOGONGSISHOUTUOGUANLIDEZIJINXINTUOYUEWEI21.9WANYIYUAN,GONGMUJIJIN、SIMUJIJIN、ZHENGQUANGONGSIZIGUANJIHUA、JIJINJIQIZIGONGSIZIGUANJIHUA、BAOXIANZIGUANJIHUAYUEFENBIEWEI11.6WANYIYUAN、11.1WANYIYUAN、16.8WANYIYUAN、13.9WANYIYUAN、2.5WANYIYUAN。TONGSHI,HULIANWANGQIYE、GELEITOUZIGUWENGONGSIDENGFEIJINRONGJIGOUKAIZHANZIGUANYEWUYESHIFENHUOYUE。

澳门BBIN视讯游戏ZIGUANYEWUZAIMANZUJUMINCAIFUGUANLIXUQIU、ZENGQIANGJINRONGJIGOUYINGLINENGLI、YOUHUASHEHUIRONGZIJIEGOU、ZHICHISHITIJINGJIDENGFANGMIANFAHUILEJIJIZUOYONG。DANYOUYUTONGLEIZIGUANYEWUDEJIANGUANGUIZEHEBIAOZHUNBUYIZHI,DAOZHIJIANGUANTAOLIHUODONGPINFAN,YIXIECHANPINDUOCENGQIANTAO,FENGXIANDISHUBUQING,ZIJINCHIMOSHIYUNHANLIUDONGXINGFENGXIAN,BUFENCHANPINCHENGWEIXINDAICHUBIAODEQUDAO,GANGXINGDUIFUPUBIAN,ZAIZHENGGUIJINRONGTIXIZHIWAIXINGCHENGJIANGUANBUZUDEYINGZIYINXING,YIDINGCHENGDUSHANGGANRAOLEHONGGUANDIAOKONG,TIGAOLESHEHUIRONGZICHENGBEN,YINGXIANGLEJINRONGFUWUSHITIJINGJIDEZHIXIAO,JIAJULEFENGXIANDEKUAXINGYE、KUASHICHANGCHUANDI。ZAIDANGZHONGYANG、GUOWUYUANDELINGDAOXIA,ZHONGGUORENMINYINXINGHUITONGZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUI、ZHONGGUOZHENGQUANJIANDUGUANLIWEIYUANHUI、GUOJIAWAIHUIGUANLIJUDENGBUMEN,JIANCHIWENTIDAOXIANG,CONGMIBUJIANGUANDUANBAN、TIGAOJIANGUANYOUXIAOXINGRUSHOU,ZAICHONGFENLIZUGEXINGYEJINRONGJIGOUZIGUANYEWUKAIZHANQINGKUANGHEJIANGUANSHIJIANDEJICHUSHANG,ZHIDINGLE《YIJIAN》。

三、《意见》的总体思路和原则是什么?

澳门BBIN视讯游戏《YIJIAN》DEZONGTISILUSHI:ANZHAOZIGUANCHANPINDELEIXINGZHIDINGTONGYIDEJIANGUANBIAOZHUN,DUITONGLEIZIGUANYEWUZUOCHUYIZHIXINGGUIDING,SHIXINGGONGPINGDESHICHANGZHUNRUHEJIANGUAN,ZUIDACHENGDUDIXIAOCHUJIANGUANTAOLIKONGJIAN,WEIZIGUANYEWUJIANKANGFAZHANCHUANGZAOLIANGHAODEZHIDUHUANJING。

《YIJIAN》ZUNXUNYIXIAJIBENYUANZE:YISHIJIANCHIYANKONGFENGXIANDEDIXIANSIWEI,JIANSHAOCUNLIANGFENGXIAN,YANFANGZENGLIANGFENGXIAN。ERSHIJIANCHIFUWUSHITIJINGJIDEGENBENMUBIAO,JICHONGFENFAHUIZIGUANYEWUGONGNENG,QIESHIFUWUSHITIJINGJITOURONGZIXUQIU,YOUYANGEGUIFANYINDAO,BIMIANZIJINTUOSHIXIANGXU,FANGZHICHANPINGUOYUFUZAJIAJUFENGXIANKUAXINGYE、KUASHICHANG、KUAQUYUCHUANDI。SANSHIJIANCHIHONGGUANSHENSHENGUANLIYUWEIGUANSHENSHENJIANGUANXIANGJIEHE、JIGOUJIANGUANYUGONGNENGJIANGUANXIANGJIEHEDEJIANGUANLINIAN,SHIXIANDUIGELEIJINRONGJIGOUKAIZHANZIGUANYEWUDEQUANMIAN、TONGYIFUGAI,CAIQUYOUXIAOJIANGUANCUOSHI,JIAQIANGJINRONGXIAOFEIZHEQUANYIBAOHU。SISHIJIANCHIYOUDEFANGSHIDEWENTIDAOXIANG,ZHONGDIANZHENDUIZIGUANYEWUDEDUOCENGQIANTAO、GANGGANBUQING、TAOLIYANZHONG、TOUJIPINFANDENGWENTI,SHEDINGTONGYIDEJIANGUANBIAOZHUN,TONGSHIDUIJINRONGCHUANGXINJIANCHIQULIBIHAI、YIFENWEIER,LIUCHUFAZHANKONGJIAN。WUSHIJIANCHIJIJIWENTUOSHENSHENTUIJIN,FANGFANFENGXIANYUYOUXUGUIFANXIANGJIEHE,CHONGFENKAOLVSHICHANGCHENGSHOUNENGLI,HELISHEZHIGUODUQI,JIAQIANGSHICHANGGOUTONG,YOUXIAOYINDAOSHICHANGYUQI。 

四、《意见》的适用范围是什么?包括哪些机构的哪些产品?

《YIJIAN》ZHUYAOSHIYONGYUJINRONGJIGOUDEZIGUANYEWU,JIYINXING、XINTUO、ZHENGQUAN、JIJIN、QIHUO、BAOXIANZIGUANJIGOU、JINRONGZICHANTOUZIGONGSIDENGJINRONGJIGOUJIESHOUTOUZIZHEWEITUO,DUISHOUTUODETOUZIZHECAICHANJINXINGTOUZIHEGUANLIDEJINRONGFUWU。JINRONGJIGOUWEIWEITUORENLIYILVXINGCHENGSHIXINYONG、QINMIANJINZEYIWUBINGSHOUQUXIANGYINGDEGUANLIFEIYONG,WEITUORENZIDANTOUZIFENGXIANBINGHUODESHOUYI,JINRONGJIGOUKEYISHOUQUHELIDEYEJIBAOCHOU,DANXUJIRUGUANLIFEIBINGYUCHANPINYIYIDUIYING。ZIGUANCHANPINBAOKUOYINXINGFEIBAOBENLICAICHANPIN,ZIJINXINTUO,ZHENGQUANGONGSI、ZHENGQUANGONGSIZIGONGSI、JIJINGUANLIGONGSI、JIJINGUANLIZIGONGSI、QIHUOGONGSI、QIHUOGONGSIZIGONGSI、BAOXIANZIGUANJIGOU、JINRONGZICHANTOUZIGONGSIFAXINGDEZIGUANCHANPINDENG。YIJUJINRONGGUANLIBUMENBANBUGUIZEKAIZHANDEZICHANZHENGQUANHUAYEWU、YIJURENLIZIYUANSHEHUIBAOZHANGBUMENBANBUGUIZEFAXINGDEYANGLAOJINCHANPINBUSHIYONGBENYIJIAN。

澳门BBIN视讯游戏ZHENDUIFEIJINRONGJIGOUWEIFAWEIGUIKAIZHANZIGUANYEWUDELUANXIANG,《YIJIAN》YEANZHAO“WEIJINGPIZHUNBUDECONGSHIJINRONGYEWU,JINRONGYEWUBIXUJIESHOUJINRONGJIANGUAN”DELINIAN,MINGQUETICHUCHUGUOJIALINGYOUGUIDINGWAI,FEIJINRONGJIGOUBUDEFAXING、XIAOSHOUZIGUANCHANPIN。“GUOJIALINGYOUGUIDINGDECHUWAI”ZHUYAOZHISIMUTOUZIJIJINDEFAXINGHEXIAOSHOU。SIMUTOUZIJIJINSHIYONGSIMUTOUZIJIJINZHUANMENFALV、XINGZHENGFAGUI,QIZHONGMEIYOUMINGQUEGUIDINGDE,SHIYONG《YIJIAN》,CHUANGYETOUZIJIJIN、ZHENGFUCHUZICHANYETOUZIJIJINDEXIANGGUANGUIDINGLINGXINGZHIDING。

五、《意见》对资管产品分类的依据和目的是什么?对不同类型产品监管的主要区别是什么?

DUIZIGUANCHANPINJINXINGFENLEI,DUITONGLEICHANPINSHIYONGTONGYIDEJIANGUANGUIZE,SHI《YIJIAN》DEJICHU。《YIJIAN》CONGLIANGGEWEIDUDUIZIGUANCHANPINJINXINGFENLEI。YISHICONGZIJINLAIYUANDUAN,ANZHAOMUJIFANGSHIFENWEIGONGMUCHANPINHESIMUCHANPINLIANGDALEI。GONGMUCHANPINMIANXIANGFENGXIANSHIBIEHECHENGSHOUNENGLIPIANRUODESHEHUIGONGZHONGFAXING,FENGXIANWAIYIXINGQIANG,ZAITOUZIFANWEIDENGFANGMIANJIANGUANYAOQIUJIAOSIMUCHANPINYANGE,ZHUYAOTOUZIBIAOZHUNHUAZHAIQUANLEIZICHANYIJISHANGSHIJIAOYIDEGUPIAO,CHUFALVFAGUIHEJINRONGGUANLIBUMENLINGYOUGUIDINGWAI,BUDETOUZIWEISHANGSHIQIYEGUQUAN。SIMUCHANPINMIANXIANGFENGXIANSHIBIEHECHENGSHOUNENGLIJIAOQIANGDEHEGETOUZIZHEFAXING,JIANGUANYAOQIUXIANGDUIKUANSONG,GENGJIAZUNZHONGSHICHANGZHUTIDEYISIZIZHI,KEYITOUZIZHAIQUANLEIZICHAN、SHANGSHIHUOGUAPAIJIAOYIDEGUPIAO、WEISHANGSHIQIYEGUQUANHESHOU(SHOU)YIQUANYIJIFUHEFALVFAGUIGUIDINGDEQITAZICHAN。ERSHICONGZIJINYUNYONGDUAN,GENJUTOUZIXINGZHIFENWEIGUDINGSHOUYILEICHANPIN、QUANYILEICHANPIN、SHANGPINJIJINRONGYANSHENGPINLEICHANPIN、HUNHELEICHANPINSIDALEI。ANZHAOTOUZIFENGXIANYUEGAO、FENJIGANGGANYUESHUYUEYANDEYUANZE,SHEDINGBUTONGDEFENJIBILIXIANZHI,GELEICHANPINDEXINXIPILUZHONGDIANYEBUTONG。

DUICHANPINCONGYISHANGLIANGGEWEIDUJINXINGFENLEIDEMUDEZAIYU:YISHIANZHAO“SHIZHIZHONGYUXINGSHI”YUANZEQIANGHUAGONGNENGJIANGUAN。SHIJIANZHONG,BUTONGXINGYEJINRONGJIGOUKAIZHANZIGUANYEWU,ANZHAOJIGOULEIXINGSHIYONGBUTONGDEJIANGUANGUIZEHEBIAOZHUN,WEIJIANGUANTAOLICHUANGZAOLEKONGJIAN,YINERXUYAOANZHAOYEWUGONGNENGDUIZIGUANCHANPINJINXINGFENLEI,DUITONGLEICHANPINSHIYONGTONGYIDEJIANGUANBIAOZHUN。ERSHIGUANCHE“HESHIDECHANPINMAIJIHESHIDETOUZIZHE”LINIAN:YIFANGMIANGONGMUCHANPINHESIMUCHANPIN,FENBIEDUIYINGSHEHUIGONGZHONGHEHEGETOUZIZHELIANGLEIBUTONGDETOUZIQUNTI,TIXIANBUTONGDETOUZIZHESHIDANGXINGGUANLIYAOQIU;LINGYIFANGMIAN,GENJUTOUZIXINGZHIJIANGZIGUANCHANPINFENWEIBUTONGLEIXING,YICIKEQUFENCHANPINDEFENGXIANDENGJI,TONGSHIYAOQIUZIGUANCHANPINFAXINGSHIMINGSHICHANPINLEIXING,KEBIMIAN“GUAYANGTOUMAIGOUROU”,QIESHIBAOHUJINRONGXIAOFEIZHEQUANYI。

六、《意见》在哪些方面强化了金融机构开展资管业务的资质要求和管理职责?

ZIGUANYEWUSHI“SHOURENZHITUO、DAIRENLICAI”DEJINRONGFUWU,WEIBAOZHANGWEITUORENDEHEFAQUANYI,《YIJIAN》YAOQIUJINRONGJIGOUFUHEYIDINGDEZIZHIYAOQIU,BINGQIESHILVXINGGUANLIZHIZE。YISHIJINRONGJIGOUYINGDANGJIANLIYUZIGUANYEWUFAZHANXIANGSHIYINGDEGUANLITIXIHEGUANLIZHIDU,GONGSIZHILILIANGHAO,FENGXIANGUANLI、NEIBUKONGZHIHEWENZEJIZHIJIANQUAN。ERSHIJINRONGJIGOUYINGDANGJIANQUANZIGUANYEWURENYUANDEZIGERENDING、PEIXUN、KAOHEPINGJIAHEWENZEZHIDU,QUEBAOQIJUBEIBIYAODEZHUANYEZHISHI、XINGYEJINGYANHEGUANLINENGLI,ZUNSHOUXINGWEIZHUNZEHEZHIYEDAODE。SANSHIDUIYUWEIFANXIANGGUANFALVFAGUIYIJI《YIJIAN》GUIDINGDEJINRONGJIGOUZIGUANYEWUCONGYERENYUAN,YIFACAIQUCHUFACUOSHIZHIZHIQUXIAOCONGYEZIGE。

七、标准化债权类资产的认定标准是什么?《意见》如何对资管产品投资非标准化债权类资产进行规范?

《YIJIAN》MINGQUE,BIAOZHUNHUAZHAIQUANLEIZICHANYINGDANGJUBEIYIXIATEZHENG:DENGFENHUA、KEJIAOYI、XINXIPILUCHONGFEN、JIZHONGDENGJI、DULITUOGUAN、GONGYUNDINGJIA、LIUDONGXINGJIZHIWANSHAN、ZAIJINGGUOWUYUANTONGYISHELIDEJIAOYISHICHANGSHANGJIAOYIDENG。JUTIRENDINGGUIZEYOUZHONGGUORENMINYINXINGHUITONGJINRONGJIANDUGUANLIBUMENLINGXINGZHIDING。BIAOZHUNHUAZHAIQUANLEIZICHANZHIWAIDEZHAIQUANLEIZICHANJUNWEIFEIBIAO。

FEIBIAOJUYOUQIXIAN、LIUDONGXINGHEXINYONGZHUANHUANGONGNENG,TOUMINGDUJIAODI,LIUDONGXINGJIAORUO,GUIBILEHONGGUANDIAOKONGZHENGCEHEZIBENYUESHUDENGJIANGUANYAOQIU,BUFENTOUXIANGXIANZHIXINGLINGYU,YINGZIYINXINGTEZHENGMINGXIAN。WEICI,《YIJIAN》GUIDING,ZIGUANCHANPINTOUZIFEIBIAOYINGDANGZUNSHOUJINRONGJIANDUGUANLIBUMENYOUGUANXIANEGUANLI、LIUDONGXINGGUANLIDENGJIANGUANBIAOZHUN,BINGQIEYANGEQIXIANPIPEI。ZUOCHUSHANGSHUGUIFANDEMUDESHI,BIMIANZIGUANYEWULUNWEIBIANXIANGDEXINDAIYEWU,FANGKONGYINGZIYINXINGFENGXIAN,SUODUANRONGZILIANTIAO,JIANGDIRONGZICHENGBEN,TIGAOJINRONGFUWUSHITIJINGJIDEXIAOLVHESHUIPING。ZAIGUIFANFEIBIAOTOUZIDETONGSHI,WEILEGENGHAODIMANZUSHITIJINGJIDERONGZIXUQIU,HAIXUYAODALIFAZHANZHIJIERONGZI,JIANSHEDUOCENGCIZIBENSHICHANGTIXI,JINYIBUSHENHUAJINRONGTIZHIGAIGE,ZENGQIANGJINRONGFUWUSHITIJINGJIDEXIAOLVHESHUIPING。

八、《意见》如何防范资管产品的流动性风险?如何规范金融机构的资金池运作?

BUFENJINRONGJIGOUZAIKAIZHANZIGUANYEWUGUOCHENGZHONG,TONGGUOGUNDONGFAXING、JIHEYUNZUO、FENLIDINGJIADEFANGSHI,DUIMUJIZIJINJINXINGZIJINCHIYUNZUO。ZAIZHEIZHONGYUNZUOMOSHIXIA,DUOZHIZIGUANCHANPINDUIYINGDUOXIANGZICHAN,MEIZHICHANPINDESHOUYILAIZINAXIEZICHANWUFABIANSHI,FENGXIANYENANYIHENGLIANG。TONGSHI,JIANGMUJIDEDUANQIZIJINTOUFANGDAOZHANGQIDEZHAIQUANHUOGUQUANXIANGMU,JIADALEZIGUANCHANPINDELIUDONGXINGFENGXIAN,YIDANNANYIMUJIDAOHOUXUZIJIN,RONGYIFASHENGLIUDONGXINGJINZHANG。

《YIJIAN》ZAIJINZHIZIJINCHIYEWU、QIANGDIAOZIGUANCHANPINDANDUGUANLI、DANDUJIANZHANG、DANDUHESUANDEJICHUSHANG,YAOQIUJINRONGJIGOUJIAQIANGCHANPINJIUQIGUANLI,GUIDINGFENGBISHIZIGUANCHANPINQIXIANBUDEDIYU90TIAN,YICIJIUZHENGZIGUANCHANPINDUANQIHUAQINGXIANG,QIESHIJIANSHAOHEXIAOCHUZIJINLAIYUANDUANHEYUNYONGDUANDEQIXIANCUOPEIHELIUDONGXINGFENGXIAN。CIWAI,DUIYUBUFENJIGOUTONGGUOWEIDANYIRONGZIXIANGMUSHELIDUOZHIZIGUANCHANPINBIANXIANGTUPOTOUZIRENSHUXIANZHIDEXINGWEI,《YIJIAN》MINGQUEYUYIJINZHI。WEIFANGZHITONGYIZICHANFASHENGFENGXIANBOJIDUOZHICHANPIN,《YIJIAN》YAOQIUTONGYIJINRONGJIGOUFAXINGDUOZHIZIGUANCHANPINTOUZITONGYIZICHANDEZIJINZONGGUIMOBUDECHAOGUO300YIYUAN,RUGUOCHAOCHUGAIGUIMO,XUJINGJINRONGJIANDUGUANLIBUMENPIZHUN。

九、《意见》关于资管产品的风险准备金计提或资本计量要求与现有各类机构的相关标准是何种关系?二者如何衔接?

ZIGUANYEWUSHUYUJINRONGJIGOUDEBIAOWAIYEWU,TOUZIFENGXIANYINGYOUTOUZIZHEZIDAN,DANWEILEYINGDUICAOZUOFENGXIANHUOQITAFEIYUQIFENGXIAN,RENGXUJIANLIYIDINGDEFENGXIANBUCHANGJIZHI,JITIXIANGYINGDEFENGXIANZHUNBEIJIN,HUOZAIZIBENJILIANGSHIKAOLVXIANGGUANFENGXIANYINSU。MUQIAN,GEXINGYEZIGUANCHANPINDEFENGXIANZHUNBEIJINJITIHUOZIBENJILIANGYAOQIUBUTONG:YINXINGSHIXINGZIBENJIANGUAN,ANZHAOLICAIYEWUSHOURUJILIANGYIDINGBILIDECAOZUOFENGXIANZIBEN;ZHENGQUANGONGSIZIGUANJIHUA、GONGMUJIJIN、JIJINZIGONGSITEDINGKEHUZIGUANJIHUA、BUFENBAOXIANZIGUANJIHUAANZHAOGUANLIFEISHOURUJITIFENGXIANZHUNBEIJIN,DANBILIBUYI;XINTUOGONGSIZEANZHAOSHUIHOULIRUNDE5%JITIXINTUOPEICHANGZHUNBEIJIN。

ZONGHEKAOLVXIANXINGYAOQIU,《YIJIAN》GUIDING,JINRONGJIGOUYINGDANGANZHAOZIGUANCHANPINGUANLIFEISHOURUDE10%JITIFENGXIANZHUNBEIJIN,HUOZHEANZHAOGUIDINGJILIANGCAOZUOFENGXIANZIBENHUOXIANGYINGFENGXIANZIBENZHUNBEI。FENGXIANZHUNBEIJINYUEDADAOCHANPINYUEDE1%SHIKEYIBUZAITIQU。FENGXIANZHUNBEIJINZHUYAOYONGYUMIBUYINJINRONGJIGOUWEIFAWEIGUI、WEIFANZIGUANCHANPINXIEYI、CAOZUOCUOWUHUOJISHUGUZHANGDENGJIZIGUANCHANPINCAICHANHUOZHETOUZIZHEZAOCHENGDESUNSHI。JINRONGJIGOUYINGDANGDINGQIJIANGFENGXIANZHUNBEIJINDESHIYONGQINGKUANGBAOGAOJINRONGGUANLIBUMEN。XUYAOSHUOMINGDESHI,DUIYUMUQIANBUSHIYONGFENGXIANZHUNBEIJINJITIHUOZIBENJILIANGDEJINRONGJIGOU,RUXINTUOGONGSI,《YIJIAN》BINGFEIYAOQIUZAICIJICHUSHANGJINXINGSHUANGZHONGJITI,ERSHIYOUJINRONGJIANDUGUANLIBUMENANZHAO《YIJIAN》DEBIAOZHUN,ZAIJUTIXIZEZHONGJINXINGGUIFAN。

十、为什么要打破资管产品的刚性兑付?如何实行产品净值化管理?

澳门BBIN视讯游戏GANGXINGDUIFUPIANLILEZIGUANCHANPIN“SHOURENZHITUO、DAIRENLICAI”DEBENZHI,TAIGAOWUFENGXIANSHOUYILVSHUIPING,GANRAOZIJINJIAGE,BUJINYINGXIANGFAHUISHICHANGZAIZIYUANPEIZHIZHONGDEJUEDINGXINGZUOYONG,HAIRUOHUALESHICHANGJILV,DAOZHIYIXIETOUZIZHEMAOXIANTOUJI,JINRONGJIGOUBUJINZHIJINZE,DAODEFENGXIANJIAOWEIYANZHONG。DAPOGANGXINGDUIFUYIJINGCHENGWEISHEHUIGONGSHI,WEICI《YIJIAN》ZUOCHULEYIXILIEXIHUAANPAI。SHOUXIAN,ZAIDINGYIZIGUANYEWUSHI,YAOQIUJINRONGJIGOUBUDECHENGNUOBAOBENBAOSHOUYI,CHANPINCHUXIANDUIFUKUNNANSHIBUDEYIRENHEXINGSHIDIANZIDUIFU。DIER,YINDAOJINRONGJIGOUZHUANBIANYUQISHOUYILVMOSHI,QIANGHUACHANPINJINGZHIHUAGUANLI,BINGMINGQUEHESUANYUANZE。DISAN,MINGSHIGANGXINGDUIFUDERENDINGQINGXING,BAOKUOWEIFANJINGZHIQUEDINGYUANZEDUICHANPINJINXINGBAOBENBAOSHOUYI、CAIQUGUNDONGFAXINGDENGFANGSHIBAOBENBAOSHOUYI、ZIXINGCHOUJIZIJINCHANGFUHUOWEITUOQITAJIGOUDAICHANGDENG。DISI,FENLEIJINXINGCHENGCHU。CUNKUANLEIJINRONGJIGOUFASHENGGANGXINGDUIFU,ZUEBUJIAOCUNKUANZHUNBEIJINHECUNKUANBAOXIANBAOFEI,FEICUNKUANLEICHIPAIJINRONGJIGOUYOUJINRONGJIANDUGUANLIBUMENHEZHONGGUORENMINYINXINGYIFAJIUZHENGBINGYUYICHUFA。CIWAI,QIANGHUALEWAIBUSHENJIJIGOUDESHENJIZERENHEBAOGAOYAOQIU。

澳门BBIN视讯游戏SHIJIANZHONG,BUFENZIGUANCHANPINCAIQUYUQISHOUYILVMOSHI,GUODUSHIYONGTANYUCHENGBENFAJILIANGSUOTOUZIJINRONGZICHAN,JICHUZICHANDEFENGXIANBUNENGJISHIFANYINGDAOCHANPINDEJIAZHIBIANHUAZHONG,TOUZIZHEBUQINGCHUZISHENCHENGDANDEFENGXIANDAXIAO,JINERQUESHAOFENGXIANZIDANYISHI;ERJINRONGJIGOUJIANGTOUZISHOUYICHAOGUOYUQISHOUYIDEBUFENZHUANHUAWEIGUANLIFEIHUOZHIJIENARUZHONGJIANYEWUSHOURU,ERFEIJIYUTOUZIZHE,YENANYIYAOQIUTOUZIZHEZIDANFENGXIAN。WEILETUIDONGYUQISHOUYIXINGCHANPINXIANGJINGZHIXINGCHANPINZHUANXING,RANGTOUZIZHEZAIMINGXIFENGXIAN、JINXIANGSHOUYIDEJICHUSHANGZIDANFENGXIAN,《YIJIAN》QIANGDIAOJINRONGJIGOUDEYEJIBAOCHOUXUJIRUGUANLIFEIBINGYUCHANPINYIYIDUIYING,YAOQIUJINRONGJIGOUQIANGHUACHANPINJINGZHIHUAGUANLI,BINGYOUTUOGUANJIGOUHESUAN、WAIBUSHENJIJIGOUSHENJIQUEREN,TONGSHIMINGQUELEJUTIDEHESUANYUANZE。SHOUXIAN,YAOQIUZIGUANCHANPINTOUZIDEJINRONGZICHANJIANCHIGONGYUNJIAZHIJILIANGYUANZE,GULISHIYONGSHIZHIJILIANG。TONGSHI,YUNXUFUHEYIXIATIAOJIANZHIYIDEBUFENZICHANYITANYUCHENGBENJILIANG:YISHICHANPINFENGBISHIYUNZUO,QIESUOTOUJINRONGZICHANYISHOUQUHETONGXIANJINLIULIANGWEIMUDEBINGCHIYOUDAOQI;ERSHICHANPINFENGBISHIYUNZUO,QIESUOTOUJINRONGZICHANZANBUJUBEIHUOYUEJIAOYISHICHANG,HUOZHEZAIHUOYUESHICHANGZHONGMEIYOUBAOJIA、YEBUNENGCAIYONGGUZHIJISHUKEKAOJILIANGGONGYUNJIAZHI。

十一、如何规范资管产品的杠杆水平?

澳门BBIN视讯游戏WEIWEIHUZHAIQUAN、GUPIAODENGJINRONGSHICHANGPINGWENYUNXING,YIZHIZICHANJIAGEPAOMO,YINGDANGKONGZHIZIGUANCHANPINDEGANGGANSHUIPING。ZIGUANCHANPINDEGANGGANFENWEILIANGLEI,YILEISHIFUZHAIGANGGAN,JICHANPINMUJIHOU,JINRONGJIGOUTONGGUOCHAIJIE、ZHIYAHUIGOUDENGFUZHAIXINGWEI,ZENGJIATOUZIGANGGAN;YILEISHIFENJIGANGGAN,JIJINRONGJIGOUDUICHANPINJINXINGYOUXIAN、LIEHOUDEFENEFENJI,YOUXIANJITOUZIZHEXIANGLIEHOUJITOUZIZHETIGONGRONGZIGANGGAN。ZAIFUZHAIGANGGANFANGMIAN,《YIJIAN》DUIKAIFANGSHIGONGMU、FENGBISHIGONGMU、FENJISIMUHEQITASIMUZIGUANCHANPIN,FENBIESHEDINGLE140%、200%、140%HE200%DEFUZHAIBILI(ZONGZICHAN/JINGZICHAN)SHANGXIAN,BINGJINZHIJINRONGJIGOUYISHOUTUOGUANLIDECHANPINFENEJINXINGZHIYARONGZI。ZAIFENJICHANPINFANGMIAN,《YIJIAN》JINZHIGONGMUCHANPINHEKAIFANGSHISIMUCHANPINJINXINGFENEFENJI。ZAIKEYIFENJIDEFENGBISHISIMUCHANPINZHONG,GUDINGSHOUYILEICHANPINDEFENJIBILI(YOUXIANJIFENE/LIEHOUJIFENE)BUDECHAOGUO3:1,QUANYILEICHANPINBUDECHAOGUO1:1,SHANGPINJIJINRONGYANSHENGPINLEICHANPIN、HUNHELEICHANPINJUNBUDECHAOGUO2:1。

十二、如何消除多层嵌套并限制通道业务?

澳门BBIN视讯游戏ZIGUANCHANPINDUOCENGQIANTAO,BUJINZENGJIALECHANPINDEFUZACHENGDU,DAOZHIDICENGZICHANBUQING,YELAZHANGLEZIJINLIANTIAO,TAIGAOLESHEHUIRONGZICHENGBEN。DALIANGFENJICHANPINDEQIANRU,HAIDAOZHIGANGGANCHENGBEIJUJI,JIAJUSHICHANGBODONG。WEICONGGENBENSHANGYIZHIDUOCENGQIANTAODEDONGJI,《YIJIAN》MINGQUEZIGUANCHANPINYINGDANGZAIZHANGHUKAILI、CHANQUANDENGJI、FALVSUSONGDENGFANGMIANXIANGYOUPINGDENGDIWEI,YAOQIUJINRONGJIANDUGUANLIBUMENDUIGELEIJINRONGJIGOUKAIZHANZIGUANYEWUPINGDENGZHUNRU。TONGSHI,GUIFANQIANTAOCENGJI,YUNXUZIGUANCHANPINZAITOUZIYICENGZIGUANCHANPIN,DANSUOTOUZIDECHANPINBUDEZAITOUZIGONGMUZHENGQUANTOUZIJIJINYIWAIDECHANPIN,JINZHIKAIZHANGUIBITOUZIFANWEI、GANGGANYUESHUDENGJIANGUANYAOQIUDETONGDAOYEWU。KAOLVDAOXIANSHIQINGKUANG,TOUZINENGLIBUZUDEJINRONGJIGOURENGRANKEYIWEITUOQITAJIGOUTOUZI,DANBUDEYINCIERMIANCHUZISHENYINGDANGCHENGDANDEZEREN,GONGMUZIGUANCHANPINDESHOUTUOJIGOUBIXUWEIJINRONGJIGOU,SHOUTUOJIGOUBUDEZAIJINXINGZHUANWEITUO。    

十三、《意见》对智能投顾业务作出了哪些规范?主要考虑是什么?

JINRONGKEJIDEFAZHANZHENGZAISHENKEGAIBIANJINRONGYEDEFUWUFANGSHI,ZAIZIGUANLINGYUJIUTUCHUTIXIANZAIZHINENGTOUZIGUWEN。JINNIANLAI,ZHINENGTOUZIGUWENZAIMEIGUOSHICHANGKUAISUJUEQI,ZAIGUONEIYEFAZHANXUNSU,MUQIANYIYOUSHUSHIJIAJIGOUTUICHUGAIXIANGYEWU。DANYUNYONGRENGONGZHINENGJISHUKAIZHANTOUZIGUWEN、ZIGUANDENGYEWU,YOUYUFUWUDUIXIANGDUOWEIZHANGWEIKEHU,FENGXIANCHENGSHOUNENGLIJIAODI,RUGUOTOUZIZHESHIDANGXINGGUANLI、FENGXIANTISHIBUDAOWEI,RONGYIYINFABUWENDINGSHIJIAN。ERQIE,SUANFATONGZHIHUAKENENGYINFASHUNZHOUQIGAOPINJIAOYI,JIAJUSHICHANGBODONG,SUANFADE“HEIXIANGSHUXING”HAIKENENGSHIQICHENGWEIGUIBIJIANGUANDEGONGJU,JISHUJUXIAN、WANGLUOANQUANDENGFENGXIANYEBURONGHUSHI。WEICI,《YIJIAN》CONGQIANZHANXINGJIAODU,QUFENJINRONGJIGOUYUNYONGRENGONGZHINENGJISHUKAIZHANTOUZIGUWENHEZIGUANYEWULIANGZHONGQINGXING,FENBIEJINXINGLEGUIFAN。YIFANGMIAN,QUDETOUZIGUWENZIZHIDEJIGOUZAIJUBEIXIANGYINGJISHUTIAOJIANDEQINGKUANGXIA,KEYIYUNYONGRENGONGZHINENGJISHUKAIZHANTOUZIGUWENYEWU,FEIJINRONGJIGOUBUDEJIEZHUZHINENGTOUZIGUWENCHAOFANWEIJINGYINGHUOBIANXIANGKAIZHANZIGUANYEWU。LINGYIFANGMIAN,JINRONGJIGOUYUNYONGRENGONGZHINENGJISHUKAIZHANZIGUANYEWU,BUDEKUADAXUANCHUANHUOWUDAOTOUZIZHE,YINGDANGBAOBEIMOXINGZHUYAOCANSHUJIZICHANPEIZHIZHUYAOLUOJI,MINGXIJIAOYILIUCHENG,QIANGHUALIUHENGUANLI,BIMIANSUANFATONGZHIHUA,YINSUANFAMOXINGQUEXIANHUOXINXIXITONGYICHANGYINFAYANGQUNXIAOYINGSHI,YINGDANGQIANGZHIRENGONGJIERU。

十四、对资管业务的监管理念是什么?监管协调包括哪些举措?

ZHENDUIFENYEJIANGUANXIABIAOZHUNCHAYICUISHENGTAOLIKONGJIANDEBIDUAN,JIAQIANGJIANGUANXIEDIAO,QIANGHUAHONGGUANSHENSHENGUANLI,ANZHAO“SHIZHIZHONGYUXINGSHI”YUANZESHISHIGONGNENGJIANGUAN,SHIGUIFANZIGUANYEWUDEBIYAOJUCUO。《YIJIAN》MINGQUE,ZHONGGUORENMINYINXINGFUZEDUIZIGUANYEWUSHISHIHONGGUANSHENSHENGUANLI,ANZHAOCHANPINLEIXINGERFEIJIGOULEIXINGTONGYIBIAOZHUNGUIZHI,TONGLEICHANPINSHIYONGTONGYIJIANGUANBIAOZHUN,JIANSHAOJIANGUANZHENKONG,XIAOCHUTAOLIKONGJIAN。JINRONGJIANDUGUANLIBUMENZAIZIGUANYEWUDESHICHANGZHUNRUHERICHANGJIANGUANZHONG,YAOQIANGHUAGONGNENGJIANGUAN。ZHONGGUORENMINYINXINGQIANTOUJIANLIZIGUANCHANPINTONGYIBAOGAOZHIDUHEXINXIXITONG,DUICHANPINDEFASHOU、TOUZI、DUIFUDENGGEGEHUANJIEJINXINGSHISHI、QUANMIAN、DONGTAIJIANCE,WEICHUANTOUJIANGUANDIANDINGJIANSHIJICHU。JIXUJIAQIANGJIANGUANXIEDIAO,JINRONGJIANDUGUANLIBUMENZAI《YIJIAN》KUANGJIANEI,YANJIUZHIDINGPEITAOXIZE,PEITAOXIZEZHIJIANYAOXIANGHUXIANJIE,BIMIANCHANSHENGXINDEJIANGUANTAOLIHEBUGONGPINGJINGZHENG。

十五、非金融机构开展资管业务需要符合哪些规定?

DANGQIAN,CHUJINRONGJIGOUWAI,HULIANWANGQIYE、GELEITOUZIGUWENGONGSIDENGFEIJINRONGJIGOUKAIZHANZIGUANYEWUYESHIFENHUOYUE,YOUYUQUEFASHICHANGZHUNRUHECHIXUJIANGUAN,CHANPINFENCHAI、WUDAOXUANCHUAN、ZIJINQINZHANDENGWENTIJIAOWEITUCHU,SHENZHIYANBIANWEIFEIFAJIZI、FEIFAXISHOUGONGZHONGCUNKUAN、FEIFAFAXINGZHENGQUAN,RAOLUANJINRONGZHIXU,WEIXIESHEHUIWENDING。WEIGUIFANSHICHANGZHIXU,QIESHIBAOZHANGTOUZIZHEHEFAQUANYI,《YIJIAN》MINGQUETICHU,ZIGUANYEWUZUOWEIJINRONGYEWU,BIXUNARUJINRONGJIANGUAN,FEIJINRONGJIGOUBUDEFAXING、XIAOSHOUZIGUANCHANPIN,GUOJIALINGYOUGUIDINGDECHUWAI。“GUOJIALINGYOUGUIDINGDECHUWAI”ZHUYAOZHISIMUTOUZIJIJINDEFAXINGHEXIAOSHOU,SIMUTOUZIJIJINSHIYONGSIMUTOUZIJIJINZHUANMENFALV、XINGZHENGFAGUI,SIMUTOUZIJIJINZHUANMENFALV、XINGZHENGFAGUIZHONGMEIYOUMINGQUEGUIDINGDE,SHIYONG《YIJIAN》。FEIJINRONGJIGOUHEGERENWEIJINGJINRONGJIANDUGUANLIBUMENXUKE,BUDEDAIXIAOZIGUANCHANPIN。ZHENDUIFEIJINRONGJIGOUWEIFAWEIGUIKAIZHANZIGUANYEWUDEQINGKUANG,YOUQISHILIYONGHULIANWANGPINGTAIDENGFENCHAIXIAOSHOUJUYOUTOUZIMENJIANDETOUZIBIAODE、TONGGUOZENGXINCUOSHIYANGAICHANPINFENGXIAN、SHELICHANPINERJIJIAOYISHICHANGDENGXINGWEI,ANZHAOGUOJIAGUIDINGJINXINGGUIFANQINGLI。FEIJINRONGJIGOUWEIFAWEIGUIKAIZHANZIGUANYEWUDE,YIFAYUYICHUFA,TONGSHICHENGNUOHUOJINXINGGANGXINGDUIFUDE,YIFACONGZHONGCHUFA。

十六、《意见》的过渡期如何设置?“新老划断”具体如何实施?

澳门BBIN视讯游戏WEIQUEBAOPINGWENGUODU,《YIJIAN》CHONGFENKAOLVCUNLIANGZIGUANCHANPINQIXIAN、SHICHANGGUIMOJIQISUOTOUZIZICHANDEQIXIANHEGUIMO,JIANGUZENGLIANGZIGUANCHANPINDEHELIFAXING,TICHUANZHAO“XINLAOHUADUAN”YUANZESHEZHIGUODUQI。GUODUQISHEZHIWEI“ZI《YIJIAN》FABUZHIRIQIZHI2020NIANDI”,XIANGBIZHENGQIUYIJIANGAOERYAN,YANZHANGLEYINIANBANDESHIJIAN,JIYUJINRONGJIGOUGENGWEICHONGZUDEZHENGGAIHEZHUANXINGSHIJIAN。GUODUQINEI,JINRONGJIGOUFAXINGXINCHANPINYINGDANGFUHE《YIJIAN》DEGUIDING;WEIJIEXUCUNLIANGCHANPINSUOTOUZIDEWEIDAOQIZICHAN,WEICHIBIYAODELIUDONGXINGHESHICHANGWENDING,KEYIFAXINGLAOCHANPINDUIJIE,DANYINGDANGYANGEKONGZHIZAICUNLIANGCHANPINZHENGTIGUIMONEI,BINGYOUXUYASUODIJIAN,FANGZHIGUODUQIJIESHUSHICHUXIANDUANYAXIAOYING。JINRONGJIGOUHAIXUZHIDINGGUODUQINEIDEZHENGGAIJIHUA,MINGQUESHIJIANJINDUANPAI,BINGBAOSONGXIANGGUANJINRONGJIANDUGUANLIBUMEN,YOUQIRENKEBINGJIANDUSHISHI,TONGSHIBAOBEIZHONGGUORENMINYINXING,DUITIQIANWANCHENGZHENGGAIDEJIGOU,JIYUSHIDANGJIANGUANJILI。GUODUQIJIESHUHOU,JINRONGJIGOUDEZIGUANCHANPINANZHAO《YIJIAN》JINXINGQUANMIANGUIFAN(YINZIGONGSISHANGWEICHENGLIERDABUDAODISANFANGDULITUOGUANYAOQIUDEQINGXINGCHUWAI),JINRONGJIGOUBUDEZAIFAXINGHUOCUNXUWEIFAN《YIJIAN》GUIDINGDEZIGUANCHANPIN。

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