聚焦“融物”本源 严堵合规漏洞

Core Viewpoint - The newly released "Management Measures for Financing Lease Business of Financial Leasing Companies" aims to strengthen compliance and regulate the financing lease business, emphasizing the importance of asset management and risk responsibility in the industry [1][2]. Group 1: Regulatory Framework - The new regulation is part of a series of measures to solidify compliance in the financial leasing industry, following the revised "Management Measures for Financial Leasing Companies" and "Regulatory Rating Measures for Financial Leasing Companies" [1]. - The regulation consists of 68 articles, with a strong focus on risk management and asset compliance, mentioning "risk" 61 times and "leased assets" 73 times throughout the document [1]. Group 2: Responsibilities and Compliance - The regulation clarifies the responsibilities of company leaders, business personnel, risk control staff, and internal audit personnel regarding asset management, highlighting the need for compliance in leasing operations [2]. - Compliance with asset suitability and legality is emphasized, with specific prohibitions against using low-value consumables or assets with ownership disputes as leased items [3]. Group 3: Asset Management - Financial leasing companies are required to ensure that leased assets meet two core criteria: clear ownership and compliance with regulatory standards [4]. - The regulation mandates thorough investigations into the specific conditions of leased assets, including their physical state, delivery status, and operational qualifications [4]. Group 4: Vendor Relationships - When collaborating with manufacturers for financing lease operations, companies must investigate the manufacturers' operational status, market reputation, and financial health [5]. - Companies are advised against blindly trusting dealers and service providers, emphasizing the need for due diligence in vendor relationships [6]. Group 5: Strategic Development - To achieve sustainable development in a competitive market, financial leasing companies must align their operations with national strategies and support high-quality economic development [6]. - The focus should be on enhancing compliance management as a core competitive advantage while maintaining a clear understanding of permissible and impermissible actions within the regulatory framework [6].