融资担保公司注册管理的要求

监管依据法规融资性担保公司注册管理的

Require

《融资性担保公司管理暂行办法》（中国银行业监督管理委员会、National Development and Reform Commission of the People's Republic of China、Ministry of Industry and Information Technology of the People's Republic of China、Ministry of Finance of the People's Republic of China、Ministry of Commerce of the People's Republic of China、People's Bank of China、国家工商行政管理总局令2010年第3号）原则融资性担保业务审慎监管原则主要包括以下三个方面的内容：

1. Financing guarantee companies should be based on safety、Liquidity、Profitability is the operating principle，and establish a sustainable and prudent business model of market-oriented operation。
2. Market access for financing guarantee companies and their branches、Business scope is subject to pre-administrative licensing，Implement license management system。
3. Capital for financing guarantee institutions、magnification、provision、corporate governance、internal control、risk concentration、Related party transactions、Information disclosure、Implement prudent supervision in aspects such as qualification management of senior executives and employees。

监管体制根据国办发〔2009〕7号文件精神，国务院建立融资性担保业务监管部际联席会议制度。联席会议由发展改革委、工业和信息化部、Ministry of Finance、Ministry of Commerce、People's Bank of China、State Administration for Industry and Commerce、法制办、银监会组成，银监会牵头。联席会议办公室设在银监会，承担联席会议日常工作。融资性担保公司实行省、autonomous region、直辖市人民政府属地管理。

Province、autonomous region、直辖市人民政府确定的监管部门具体负责本辖区融资性担保机构的准入、quit、Daily supervision and risk management，并向部际联席会议报告工作。

部分监管指标

1. 融资性担保公司对单个被担保人提供的融资性担保责任余额不得超过净资产的10%，The balance of financing guarantee liability provided to a single guaranteed party and its related parties shall not exceed 15% of the net assets.，The balance of guarantee liability provided for the bond issuance of a single guaranteed party shall not exceed 30% of the net assets.。
2. The balance of financing guarantee liabilities of a financing guarantee company shall not exceed 10 times its net assets.。
3. 融资性担保公司应当按照当年担保费收入的50%提取未到期责任准备金，And withdraw the guarantee compensation reserve at a rate of no less than 1% of the balance of guarantee liability at the end of the year。The cumulative guarantee compensation reserve reaches 10% of the balance of guarantee liability for the year，Implement difference withdrawal。

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