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融資擔保(bao)行業(ye)對于發展(zhan)普惠金融，促進資金融通，特別是(shi)解(jie)決(jue)小微企業(ye)和(he)“三農(nong)”融資難、融資貴問題(ti)具有重要作用。我國改革開放(fang)四十年來(lai)，始終高(gao)度重視(shi)融資擔保(bao)工作。

所謂(wei)融(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)，是(shi)指擔(dan)(dan)保(bao)(bao)(bao)人為被擔(dan)(dan)保(bao)(bao)(bao)人借款(kuan)、發行債券等債務(wu)融(rong)資(zi)提供擔(dan)(dan)保(bao)(bao)(bao)的行為；所謂(wei)融(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)公(gong)司，是(shi)指依法設立、經營融(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)業務(wu)的有限(xian)責任公(gong)司或者股份(fen)有限(xian)公(gong)司。

融資擔保成績斐然

融(rong)(rong)(rong)資(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)是擔(dan)(dan)保(bao)(bao)(bao)(bao)業(ye)(ye)務中(zhong)(zhong)(zhong)最主要(yao)的品種(zhong)之一，是隨著(zhu)商業(ye)(ye)信用、金融(rong)(rong)(rong)信用的發展需(xu)要(yao)和擔(dan)(dan)保(bao)(bao)(bao)(bao)對象的融(rong)(rong)(rong)資(zi)(zi)需(xu)求而產生的一種(zhong)信用中(zhong)(zhong)(zhong)介(jie)行為。1993年(nian)，我國(guo)第一家專業(ye)(ye)信用擔(dan)(dan)保(bao)(bao)(bao)(bao)公(gong)司——中(zhong)(zhong)(zhong)國(guo)經濟(ji)技(ji)術投資(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)（有限）公(gong)司（現更名為“中(zhong)(zhong)(zhong)國(guo)投資(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)有限公(gong)司”）成立(li)，意味著(zhu)真正意義上(shang)的融(rong)(rong)(rong)資(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)機構開始出現。20多(duo)年(nian)來(lai)，融(rong)(rong)(rong)資(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)公(gong)司正逐步(bu)從“野蠻生長”向“有序生長”規(gui)范經營轉(zhuan)型，融(rong)(rong)(rong)資(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)在支持小微企(qi)業(ye)(ye)與“三農(nong)”上(shang)起(qi)到了積極作用。

近期，中(zhong)國(guo)融(rong)資(zi)擔(dan)(dan)(dan)保(bao)業(ye)(ye)(ye)(ye)協會(hui)發布“關(guan)于行(xing)業(ye)(ye)(ye)(ye)機構(gou)踐(jian)行(xing)普(pu)惠(hui)金(jin)融(rong)主(zhu)動擁抱監管倡(chang)(chang)議書”，倡(chang)(chang)議行(xing)業(ye)(ye)(ye)(ye)機構(gou)積極發展普(pu)惠(hui)金(jin)融(rong)、主(zhu)動擁抱監管，堅守融(rong)資(zi)擔(dan)(dan)(dan)保(bao)主(zhu)業(ye)(ye)(ye)(ye)，服務實體經濟，做精(jing)風險管理，加強行(xing)業(ye)(ye)(ye)(ye)自律建(jian)設。倡(chang)(chang)議書指(zhi)出，擔(dan)(dan)(dan)保(bao)公司應努力(li)提高(gao)小微企(qi)業(ye)(ye)(ye)(ye)和(he)“三農”擔(dan)(dan)(dan)保(bao)責任(ren)余(yu)額比例及戶(hu)數占比，著力(li)解決(jue)小微企(qi)業(ye)(ye)(ye)(ye)和(he)“三農”融(rong)資(zi)難融(rong)資(zi)貴問題。

融資擔保行業任重道遠

近年來，我(wo)國融(rong)資(zi)擔(dan)保(bao)(bao)行(xing)業(ye)發(fa)(fa)展較(jiao)快(kuai)，但(dan)也存在(zai)監督管理不到位、經(jing)營(ying)行(xing)為不規(gui)范、不審慎甚(shen)至引發(fa)(fa)風險(xian)、為小(xiao)微(wei)企(qi)業(ye)和(he)(he)“三農”服務的意愿有(you)待增強和(he)(he)能力有(you)待提高等問(wen)題。此(ci)外，前些年民(min)營(ying)融(rong)資(zi)擔(dan)保(bao)(bao)公司生(sheng)長迅(xun)速，行(xing)業(ye)準(zhun)入門檻也較(jiao)低，企(qi)業(ye)風控(kong)能力比(bi)較(jiao)差，為了(le)逐利選擇(ze)高收益高風險(xian)的項目，甚(shen)至做著融(rong)資(zi)、放高利貸、非(fei)法(fa)集資(zi)等違法(fa)違規(gui)業(ye)務。對(dui)此(ci)，我(wo)們要切實加(jia)大政策(ce)扶持力度，完善監管制度，有(you)效防范風險(xian)，促進融(rong)資(zi)擔(dan)保(bao)(bao)行(xing)業(ye)健康(kang)發(fa)(fa)展，更好地為小(xiao)微(wei)企(qi)業(ye)和(he)(he)“三農”服務。

一是開展業(ye)務(wu)(wu)要依法(fa)(fa)。融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)開展業(ye)務(wu)(wu)，要嚴(yan)格遵守法(fa)(fa)律(lv)法(fa)(fa)規(gui)，審慎經營，誠實(shi)守信，不得(de)損害國家利益、社會公(gong)(gong)共利益和(he)他人合(he)法(fa)(fa)權益。融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)的(de)(de)業(ye)務(wu)(wu)具(ju)有(you)金融(rong)(rong)(rong)屬(shu)性，需要嚴(yan)格監(jian)管。設(she)立融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)，要符合(he)《中華人民(min)共和(he)國公(gong)(gong)司(si)法(fa)(fa)》的(de)(de)規(gui)定(ding)，并具(ju)備《條(tiao)例》和(he)《通知(zhi)》中的(de)(de)有(you)關(guan)條(tiao)件，從(cong)源頭上強化治理。各(ge)地要按(an)照《條(tiao)例》和(he)《通知(zhi)》要求，規(gui)范(fan)融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)業(ye)務(wu)(wu)經營行為，未經依法(fa)(fa)批準，轄內任(ren)何(he)(he)單(dan)位和(he)個人不得(de)擅自(zi)經營融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)業(ye)務(wu)(wu)，任(ren)何(he)(he)單(dan)位不得(de)在名稱中使用“融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)”字樣(yang)；未向(xiang)監(jian)管部(bu)門提交設(she)立融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)申請和(he)未取得(de)批準，擅自(zi)經營融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)業(ye)務(wu)(wu)的(de)(de)單(dan)位和(he)個人的(de)(de)，應(ying)按(an)照《條(tiao)例》和(he)《通知(zhi)》及(ji)相關(guan)規(gui)定(ding)，立刻停止其經營融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)(bao)業(ye)務(wu)(wu)，依法(fa)(fa)予以處罰(fa)。

融(rong)資(zi)擔(dan)保(bao)公(gong)司(si)行(xing)政審批(pi)和備案工(gong)作，要按照《條例》和《通知》相關規定(ding)執(zhi)行(xing)；融(rong)資(zi)擔(dan)保(bao)公(gong)司(si)要嚴(yan)格按照《條例》和《通知》經營規則進(jin)行(xing)合規經營，否則將依法予以從嚴(yan)處罰。

二是(shi)(shi)經營證(zheng)照要齊全。首先(xian)，辦理(li)融(rong)資擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)務(wu)(wu)必須取得(de)(de)融(rong)資擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)務(wu)(wu)經營許可(ke)證(zheng)，無牌(pai)照不得(de)(de)開展(zhan)業(ye)(ye)務(wu)(wu)。融(rong)資擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)務(wu)(wu)包(bao)括借款(kuan)類擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)務(wu)(wu)、發(fa)行(xing)債(zhai)券擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)務(wu)(wu)和(he)其他(ta)融(rong)資擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)務(wu)(wu)。其他(ta)融(rong)資擔(dan)(dan)(dan)(dan)保(bao)(bao)是(shi)(shi)指擔(dan)(dan)(dan)(dan)保(bao)(bao)人(ren)為被(bei)擔(dan)(dan)(dan)(dan)保(bao)(bao)人(ren)發(fa)行(xing)基(ji)金、信托、資產(chan)管理(li)計劃、資產(chan)支持(chi)證(zheng)券等(deng)提(ti)供擔(dan)(dan)(dan)(dan)保(bao)(bao)的行(xing)為。

《融(rong)(rong)資(zi)(zi)擔(dan)保(bao)業(ye)務經(jing)(jing)(jing)營(ying)(ying)(ying)許(xu)可(ke)證(zheng)管(guan)(guan)理(li)辦法》明(ming)確了融(rong)(rong)資(zi)(zi)擔(dan)保(bao)業(ye)務經(jing)(jing)(jing)營(ying)(ying)(ying)許(xu)可(ke)證(zheng)定(ding)義，明(ming)確了許(xu)可(ke)證(zheng)應(ying)當載明(ming)的(de)內容，規定(ding)了監(jian)督管(guan)(guan)理(li)部門頒(ban)發(fa)、換發(fa)、吊(diao)銷、注銷融(rong)(rong)資(zi)(zi)擔(dan)保(bao)業(ye)務經(jing)(jing)(jing)營(ying)(ying)(ying)許(xu)可(ke)證(zheng)的(de)條件和流程，是監(jian)管(guan)(guan)部門依法頒(ban)發(fa)的(de)特許(xu)融(rong)(rong)資(zi)(zi)擔(dan)保(bao)公(gong)司(si)經(jing)(jing)(jing)營(ying)(ying)(ying)融(rong)(rong)資(zi)(zi)擔(dan)保(bao)業(ye)務的(de)法律文(wen)件，對監(jian)管(guan)(guan)部門做好許(xu)可(ke)證(zheng)管(guan)(guan)理(li)工作提出了具(ju)體要(yao)求。尤(you)其是監(jian)管(guan)(guan)部門要(yao)將融(rong)(rong)資(zi)(zi)擔(dan)保(bao)業(ye)務經(jing)(jing)(jing)營(ying)(ying)(ying)許(xu)可(ke)證(zheng)作為(wei)重要(yao)憑證(zheng)專(zhuan)門管(guan)(guan)理(li)，建立融(rong)(rong)資(zi)(zi)擔(dan)保(bao)業(ye)務經(jing)(jing)(jing)營(ying)(ying)(ying)許(xu)可(ke)證(zheng)頒(ban)發(fa)、換發(fa)、吊(diao)銷、注銷、收回、收繳、銷毀(hui)登(deng)記制度。

三是(shi)計(ji)量余(yu)額(e)要(yao)統一。我們要(yao)弄懂弄通融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)額(e)就是(shi)各(ge)項融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務在保(bao)(bao)余(yu)額(e)，按(an)照(zhao)《融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)額(e)計(ji)量辦法(fa)》規(gui)定的對(dui)(dui)應權重加權之和(he)；對(dui)(dui)于按(an)比例(li)分擔(dan)(dan)(dan)風險的融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)業(ye)務，融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)額(e)按(an)融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)公司實際承擔(dan)(dan)(dan)的比例(li)計(ji)算。融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)公司的融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)額(e)不得超過(guo)其(qi)凈資(zi)產(chan)(chan)的10倍，小微企業(ye)和(he)農(nong)戶融(rong)資(zi)在一定條件下可(ke)以適當(dang)放(fang)寬。融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)公司對(dui)(dui)同一被擔(dan)(dan)(dan)保(bao)(bao)人的融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)額(e)不得超過(guo)其(qi)凈資(zi)產(chan)(chan)的10%，對(dui)(dui)同一被擔(dan)(dan)(dan)保(bao)(bao)人及其(qi)關聯方的融(rong)資(zi)擔(dan)(dan)(dan)保(bao)(bao)責任(ren)余(yu)額(e)不得超過(guo)其(qi)凈資(zi)產(chan)(chan)的15%。

融(rong)資(zi)擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)責(ze)任(ren)余(yu)額不(bu)得(de)超過融(rong)資(zi)擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)司凈資(zi)產（扣除對(dui)(dui)其他融(rong)資(zi)擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)司和再擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)司的(de)股權投(tou)資(zi)）的(de)10倍(bei)，對(dui)(dui)于符合(he)主要服(fu)務(wu)小微企業(ye)和“三農”條(tiao)(tiao)件的(de)融(rong)資(zi)擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)司，可(ke)以提高至15倍(bei)；對(dui)(dui)同一被擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)人、同一被擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)人及(ji)其關聯(lian)方的(de)融(rong)資(zi)擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)責(ze)任(ren)余(yu)額不(bu)得(de)超過相應(ying)的(de)比例。對(dui)(dui)《條(tiao)(tiao)例》施行(xing)(xing)前發(fa)生(sheng)(sheng)的(de)保(bao)(bao)(bao)本(ben)基金擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)業(ye)務(wu)，存(cun)量業(ye)務(wu)可(ke)不(bu)計入融(rong)資(zi)擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)責(ze)任(ren)余(yu)額，但要向(xiang)監督(du)管理部(bu)門(men)單獨列示報告；對(dui)(dui)于2017年(nian)(nian)10月1日(ri)前發(fa)生(sheng)(sheng)的(de)發(fa)行(xing)(xing)債(zhai)(zhai)券擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)業(ye)務(wu)，集中(zhong)度指標(biao)繼續執行(xing)(xing)原(yuan)有監管制度有關規(gui)定，2017年(nian)(nian)10月1日(ri)后發(fa)生(sheng)(sheng)的(de)發(fa)行(xing)(xing)債(zhai)(zhai)券擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)業(ye)務(wu)，集中(zhong)度指標(biao)按照《融(rong)資(zi)擔(dan)(dan)(dan)(dan)(dan)保(bao)(bao)(bao)責(ze)任(ren)余(yu)額計量辦法》的(de)規(gui)定執行(xing)(xing)。

四是資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產比(bi)例要(yao)(yao)(yao)嚴(yan)格。我們(men)要(yao)(yao)(yao)嚴(yan)格按照《融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產比(bi)例管(guan)理(li)辦(ban)法》，積極引(yin)導(dao)融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)專注主業、審慎經營(ying)，確保(bao)(bao)融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)保(bao)(bao)持充足代償能(neng)力，優先保(bao)(bao)障資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產流動(dong)性和(he)安全性，將融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)主要(yao)(yao)(yao)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產按照形(xing)態分為(wei)Ⅰ、Ⅱ、Ⅲ級(ji)，對資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產比(bi)例進行管(guan)控：融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)凈資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產與(yu)未到期責(ze)任(ren)準(zhun)備(bei)金、擔(dan)保(bao)(bao)賠償準(zhun)備(bei)金之和(he)不(bu)(bu)得(de)低于(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產總(zong)額的(de)60%；融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)Ⅰ級(ji)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產、Ⅱ級(ji)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產之和(he)不(bu)(bu)得(de)低于(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產總(zong)額扣(kou)除應(ying)收(shou)代償款后的(de)70%；Ⅰ級(ji)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產不(bu)(bu)得(de)低于(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產總(zong)額扣(kou)除應(ying)收(shou)代償款后的(de)20%；Ⅲ級(ji)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產不(bu)(bu)得(de)高(gao)于(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產總(zong)額扣(kou)除應(ying)收(shou)代償款后的(de)30%。融(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)保(bao)(bao)公(gong)(gong)司(si)要(yao)(yao)(yao)建(jian)立好動(dong)態的(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產比(bi)例管(guan)理(li)機(ji)制，確保(bao)(bao)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產等(deng)各項風(feng)險指標符合規定比(bi)例。

五是銀(yin)擔(dan)合(he)(he)(he)作(zuo)(zuo)要(yao)緊(jin)密(mi)。對(dui)《銀(yin)行業金融機構(gou)與融資擔(dan)保(bao)(bao)公(gong)司業務合(he)(he)(he)作(zuo)(zuo)指引》要(yao)深(shen)刻理(li)解，要(yao)在規范銀(yin)擔(dan)合(he)(he)(he)作(zuo)(zuo)行為，維護雙方合(he)(he)(he)法權益，促進銀(yin)擔(dan)合(he)(he)(he)作(zuo)(zuo)健康發展(zhan)，更好地服(fu)務小微企業和“三農”上下(xia)功夫。因(yin)此(ci)，要(yao)嚴格遵循自愿原則、平(ping)等原則、公(gong)平(ping)誠信(xin)原則、合(he)(he)(he)規審慎經營原則，綜(zong)合(he)(he)(he)考量擔(dan)保(bao)(bao)公(gong)司治理(li)結構(gou)、資本金實力、風(feng)控能(neng)力、合(he)(he)(he)規情(qing)況，信(xin)用記(ji)錄及是否加入再(zai)擔(dan)保(bao)(bao)體系(xi)等因(yin)素，科學、公(gong)平(ping)、合(he)(he)(he)理(li)確定與擔(dan)保(bao)(bao)公(gong)司合(he)(he)(he)作(zuo)(zuo)的基本標準(zhun)，并向申請合(he)(he)(he)作(zuo)(zuo)的擔(dan)保(bao)(bao)公(gong)司公(gong)開。

銀(yin)擔(dan)(dan)(dan)(dan)合作(zuo)(zuo)雙方要嚴(yan)格遵(zun)守相關法(fa)律(lv)法(fa)規和監管規定(ding)，建立可持(chi)續的(de)(de)、合規審慎經營的(de)(de)合作(zuo)(zuo)模式。禁(jin)止銀(yin)行(xing)(xing)與非持(chi)牌融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)公(gong)司(si)合作(zuo)(zuo)。銀(yin)擔(dan)(dan)(dan)(dan)合作(zuo)(zuo)向小(xiao)微(wei)企業和“三農”進行(xing)(xing)政策傾斜，對于(yu)風險容忍(ren)度(du)、融(rong)(rong)(rong)資(zi)(zi)(zi)成本、費率(lv)等(deng)予以(yi)優惠條件。政府依法(fa)設立的(de)(de)融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)基(ji)金(jin)(jin)(jin)、信用保(bao)證基(ji)金(jin)(jin)(jin)等(deng)與銀(yin)行(xing)(xing)，擔(dan)(dan)(dan)(dan)保(bao)公(gong)司(si)與金(jin)(jin)(jin)融(rong)(rong)(rong)資(zi)(zi)(zi)產管理公(gong)司(si)、信托公(gong)司(si)、財務公(gong)司(si)、金(jin)(jin)(jin)融(rong)(rong)(rong)租賃公(gong)司(si)、消費金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)、貸款公(gong)司(si)等(deng)依法(fa)設立的(de)(de)金(jin)(jin)(jin)融(rong)(rong)(rong)機構(gou)以(yi)及小(xiao)額貸款公(gong)司(si)、融(rong)(rong)(rong)資(zi)(zi)(zi)租賃公(gong)司(si)、商業保(bao)理公(gong)司(si)等(deng)開展(zhan)業務合作(zuo)(zuo)的(de)(de)，要嚴(yan)格按《銀(yin)行(xing)(xing)業金(jin)(jin)(jin)融(rong)(rong)(rong)機構(gou)與融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)公(gong)司(si)業務合作(zuo)(zuo)指引》要求遵(zun)照執行(xing)(xing)。