信托业重磅：最新监管评级下发 6级分层

Core Viewpoint - The trust industry is experiencing a significant moment as multiple trust companies have received their regulatory ratings for 2024, with the best rating being level 2, and most companies rated between levels 3 and 4, while some well-known state-owned trust companies received a level 5 rating [1] Regulatory Rating Overview - The regulatory ratings are based on the "Interim Measures for the Regulatory Rating and Classification Supervision of Trust Companies" issued by the Financial Regulatory Bureau in November 2023, marking the second annual rating since the implementation of these measures [1] - The ratings range from 1 to 6, with higher numbers indicating greater risk and requiring more regulatory attention. Ratings of level 3 and above are considered good [1] - Trust companies identified as high-risk by the Financial Regulatory Bureau are directly assigned a level 6 rating without initial evaluation [1] Rating Criteria and Scoring - The maximum score for the regulatory rating is 100, with the following weight distribution for each module: corporate governance (20%), capital requirements (20%), risk management (20%), conduct management (30%), and business transformation (10%) [1] - Level 1 rating requires a score of 90 or above, indicating sound management with minor issues that can be resolved through improved daily operations [2] - Level 2 rating ranges from 80 to 90, indicating basic sound management with good risk resistance but some issues needing correction [3] - Level 3 rating ranges from 70 to 80, indicating noticeable management issues that could lead to operational difficulties if not addressed [4] - Level 4 rating ranges from 60 to 70, indicating significant management issues that could affect sustainability and require immediate regulatory attention [5] - Level 5 rating ranges from 40 to 60, indicating very serious management issues and high risk, necessitating close regulatory oversight and potential intervention [6] - Level 6 rating is assigned for scores below 40, indicating chaotic management and high risk, possibly leading to a credit crisis and requiring administrative takeover to maintain financial stability [7]