商业银行理财子公司净资本管理办法（试行）（征求意见稿）(177)
<P style="LINE-HEIGHT: 30pt; TEXT-INDENT: 32.15pt; LAYOUT-GRID-MODE: char; TEXT-AUTOSPACE: ideograph-numeric; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; mso-para-margin-right: 0.0000gd; mso-para-margin-left: 0.0000gd; mso-pagination: none; mso-char-indent-count: 2.0000; mso-layout-grid-align: none; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">制定《净资本管理办法》的背景：<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: bold; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">一是理财子公司现行监管制度有明确要求。<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">《理财子公司办法》第45条明确规定“银行理财子公司应当遵守净资本监管要求。相关监管规定由国务院银行业监督管理机构另行制定”。<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: bold; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">二是与同类资管机构监管要求保持一致。<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">2010年以来，原银监会发布实施了《信托公司净资本管理办法》，证监会也先后发布了证券公司、基金管理公司子公司等多项净资本监管制度。因此，对理财子公司实施净资本管理，有利于与同类资管机构监管要求保持一致，确保公平竞争。<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: bold; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">三是促进理财子公司稳健开展业务。<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">建立与理财子公司业务模式和风险特征相适应的净资本管理制度，通过净资本约束，引导其根据自身实力开展业务，避免<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">追求<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">盲目扩张<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">，<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">促进理财子公司规范健康发展。<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 0.0000pt"><o:p></o:p></P>
<P style="LINE-HEIGHT: 30pt; TEXT-INDENT: 32.15pt; LAYOUT-GRID-MODE: char; TEXT-AUTOSPACE: ideograph-numeric; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; mso-para-margin-right: 0.0000gd; mso-para-margin-left: 0.0000gd; mso-pagination: none; mso-char-indent-count: 2.0000; mso-layout-grid-align: none; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">制定《净资本管理办法》的总体思路：<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">落实《关于规范金融机构资产管理业务的指导意见》《商业银行理财业务监督管理办法》和《理财子公司办法》<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">等制度<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">规则<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">，<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">充分借鉴同类资管机构<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">的<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">净资本监管<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">要求<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">，结合理财子公司的特点，通过净资本管理约束，<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">引导理财子公司树立审慎经营理念，坚持业务发展与自身经营管理能力相匹配；<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">确保同类资管机构<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">公平竞争，防范监管套利，<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">促进我国资管行业健康有序发展<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt">。<SPAN style="FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: bold; mso-spacerun: 'yes'; mso-font-kerning: 1.0000pt"><o:p></o:p></P>
总共184页
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