国家金融监督管理总局：金融租赁公司应当建立租赁物、承租人准入管理政策并定期更新

Core Points - The National Financial Supervision Administration has issued the "Management Measures for Financing Leasing Business of Financial Leasing Companies" to regulate the operations of financial leasing companies and mitigate operational risks, promoting high-quality industry development [1][2][3] Group 1: General Principles - The measures aim to standardize the operational behavior of financial leasing companies and prevent operational risks [2] - Financial leasing companies are defined as non-bank financial institutions primarily engaged in financing leasing business, approved by the National Financial Supervision Administration [2] - The financing leasing business can be categorized into direct leasing and sale-leaseback [2] Group 2: Due Diligence - Financial leasing companies must establish and regularly update management policies for the admission of leased assets and lessees based on national policies and their own risk preferences [5][6] - A due diligence system and management framework must be established to ensure the independence, authenticity, and effectiveness of due diligence operations [5][6] - Due diligence should involve objective and prudent investigations of leased assets, lessees, guarantors, and collateral to ensure the authenticity and controllability of financing leasing business [6][8] Group 3: Contractual Obligations - Financial leasing companies must sign written contracts with lessees and sellers, detailing essential information such as leased asset details, lease term, business amount, and payment methods [14][15] - The lease term should not exceed the remaining useful life of the leased asset [15][16] Group 4: Risk Management - Financial leasing companies are required to establish a risk management system that includes asset quality management and operational risk management [25][46] - Companies must conduct regular audits of their financing leasing business, ensuring compliance with regulations and addressing any identified issues [29][30] Group 5: Supervision and Compliance - Financial leasing companies must report relevant statistics and reports to the National Financial Supervision Administration, ensuring the accuracy and completeness of the information submitted [59][60] - The National Financial Supervision Administration has the authority to conduct on-site inspections and impose regulatory measures or administrative penalties for violations of these measures [62]