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國家金監局:引導汽車金融公司堅守專營專業消費信貸功能
國家金融監督管理總局發布《汽車金融公司監管評級辦法》。該評級辦法設置公司治理、資本管理、風險管理、專業服務能力、消費者權益保護和信息科技管理等六項評級要素,分別賦予10%、10%、35%、20%、15%和10%的分值權重,並對評分原則進行規定。制定該辦法旨為健全和完善汽車金融公司風險監管體系,強化分類監管,引導汽車金融公司專注主業,大力促進汽車消費,不斷提升服務實體經濟質效。 該局有關司局負責人表示,該評級辦法制定的目的是通過開展監管評級工作,全面評估汽車金融公司經營管理與風險狀況,合理配置監管資源,實現分類監管,推動行業高質量發展。 該負責人又指,評級內容反映行業特點,專設「專業服務能力」評級要素,突出強化汽車金融公司專業能力建設的監管導向,引導汽車金融公司堅守專營專業消費信貸功能,圍繞服務汽車產業和汽車消費,提升專業金融服務能力,豐富汽車消費信貸產品供給,滿足居民購車消費多元化金融服務需要,進一步釋放汽車消費潛力及擴大內需。
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