Regulation政策法規
關(guan)于規范金融(rong)企業內部職工持(chi)股的通知(財金[2010]97號)
財政部人民銀行銀監會證監會保監會關于
規范金融企業內部職工持股的通知
財金〔2010〕97號
2010-09-15
各(ge)省(sheng)、自治區、直轄市人民(min)政府，有關(guan)金融企業：
為加強對銀行(xing)業(ye)(ye)(ye)、證券(quan)業(ye)(ye)(ye)、保險(xian)業(ye)(ye)(ye)金融企(qi)(qi)業(ye)(ye)(ye)內部職(zhi)(zhi)工持股的(de)管理(li)，引導(dao)企(qi)(qi)融企(qi)(qi)業(ye)(ye)(ye)建立合(he)理(li)的(de)激(ji)勵約束機制，經(jing)國務院(yuan)同(tong)意，現就規范金融企(qi)(qi)業(ye)(ye)(ye)內部職(zhi)(zhi)工持股有(you)關問題通知如下：
一(yi)、指導思想(xiang)和(he)基本原則(ze)
（一(yi)）指(zhi)導思想。全面貫(guan)徹(che)黨(dang)的十七大精神，以鄧小平理(li)論和“三個代表”重(zhong)要思想為(wei)指(zhi)導，深入貫(guan)徹(che)落(luo)實科學發展觀，積極(ji)構建社會主義和諧社會，通過(guo)加強(qiang)企(qi)(qi)(qi)融(rong)企(qi)(qi)(qi)業(ye)內部職工持股(gu)管理(li)，規范國家(jia)、企(qi)(qi)(qi)業(ye)與職工之(zhi)間的分配(pei)(pei)關(guan)系，推動(dong)金融(rong)企(qi)(qi)(qi)業(ye)建立(li)合理(li)的激勵約(yue)束(shu)體系，進一(yi)步規范社會收入分配(pei)(pei)秩序，實現金融(rong)企(qi)(qi)(qi)業(ye)的持續(xu)健康發展。
（二）基(ji)本原(yuan)則(ze)(ze)。堅持(chi)實(shi)事(shi)求是、尊重(zhong)歷史的(de)原(yuan)則(ze)(ze)，堅決(jue)維護內(nei)部(bu)職(zhi)(zhi)工(gong)的(de)合(he)(he)法(fa)(fa)權益，規范不符合(he)(he)規定的(de)內(nei)部(bu)職(zhi)(zhi)工(gong)持(chi)股(gu)，妥(tuo)善解(jie)決(jue)金融(rong)企業內(nei)部(bu)職(zhi)(zhi)工(gong)持(chi)股(gu)問題。堅持(chi)依法(fa)(fa)合(he)(he)規、公(gong)平公(gong)正的(de)原(yuan)則(ze)(ze)，各(ge)項工(gong)作(zuo)必須符合(he)(he)《公(gong)司(si)法(fa)(fa)》、《商(shang)業銀行法(fa)(fa)》、《證券法(fa)(fa)》、《保險法(fa)(fa)》等有關法(fa)(fa)律規定，按(an)照公(gong)司(si)治理規則(ze)(ze)，履行必要(yao)的(de)程序(xu)(xu)，充分做好(hao)信(xin)息(xi)披露。堅持(chi)積(ji)極穩妥(tuo)、維護穩定的(de)原(yuan)則(ze)(ze)，做好(hao)對金融(rong)企業內(nei)部(bu)職(zhi)(zhi)工(gong)的(de)解(jie)釋和(he)說明工(gong)作(zuo)，爭(zheng)取內(nei)部(bu)職(zhi)(zhi)工(gong)的(de)理解(jie)和(he)支持(chi)，確保工(gong)作(zuo)有序(xu)(xu)推進(jin)。
二(er)、規范金融企(qi)業(ye)內(nei)部職工(gong)持股的(de)主要措施
（一）嚴格執行內部職工(gong)持股的(de)比例規定
1、按現行(xing)(xing)規(gui)(gui)(gui)(gui)定規(gui)(gui)(gui)(gui)范(fan)金融(rong)(rong)(rong)企(qi)業內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)的(de)(de)比(bi)(bi)例。一是屬于定向募集(ji)股(gu)(gu)(gu)(gu)份有(you)(you)限公(gong)司(si)(si)金融(rong)(rong)(rong)企(qi)業的(de)(de)內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)，應嚴(yan)格執(zhi)行(xing)(xing)《國(guo)家體改(gai)委關(guan)(guan)(guan)于印發<定向募集(ji)股(gu)(gu)(gu)(gu)份有(you)(you)限公(gong)司(si)(si)內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)管理規(gui)(gui)(gui)(gui)定>的(de)(de)通知》（體改(gai)生(sheng)【1993】114號(hao)）有(you)(you)關(guan)(guan)(guan)規(gui)(gui)(gui)(gui)定，內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)比(bi)(bi)例不(bu)(bu)得(de)超(chao)(chao)過(guo)(guo)總股(gu)(gu)(gu)(gu)本(ben)(ben)的(de)(de)25%。二是城市商(shang)業銀(yin)(yin)行(xing)(xing)的(de)(de)內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)，應嚴(yan)格執(zhi)行(xing)(xing)《中國(guo)人民(min)銀(yin)(yin)行(xing)(xing)關(guan)(guan)(guan)于城市商(shang)業銀(yin)(yin)行(xing)(xing)吸收自然人入股(gu)(gu)(gu)(gu)有(you)(you)關(guan)(guan)(guan)問(wen)題的(de)(de)批復(fu)》（銀(yin)(yin)辦(ban)函【2000】815號(hao)）有(you)(you)關(guan)(guan)(guan)規(gui)(gui)(gui)(gui)定，內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)比(bi)(bi)例不(bu)(bu)得(de)超(chao)(chao)過(guo)(guo)總股(gu)(gu)(gu)(gu)本(ben)(ben)的(de)(de)20%，單(dan)個職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)的(de)(de)比(bi)(bi)例不(bu)(bu)得(de)超(chao)(chao)過(guo)(guo)總股(gu)(gu)(gu)(gu)本(ben)(ben)的(de)(de)5‰。三是農(nong)村(cun)商(shang)業銀(yin)(yin)行(xing)(xing)，農(nong)村(cun)合作(zuo)銀(yin)(yin)行(xing)(xing)和農(nong)村(cun)信用社的(de)(de)內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)，應嚴(yan)格執(zhi)行(xing)(xing)《中國(guo)銀(yin)(yin)行(xing)(xing)業監督管理委員會(hui)農(nong)村(cun)中小金融(rong)(rong)(rong)機(ji)構行(xing)(xing)政許可事(shi)項實(shi)施辦(ban)法(fa)(fa)》（銀(yin)(yin)監會(hui)令2008年第3號(hao)）有(you)(you)關(guan)(guan)(guan)規(gui)(gui)(gui)(gui)定，內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)和自然人持(chi)股(gu)(gu)(gu)(gu)比(bi)(bi)例不(bu)(bu)得(de)超(chao)(chao)過(guo)(guo)總股(gu)(gu)(gu)(gu)本(ben)(ben)的(de)(de)20%，單(dan)個職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)的(de)(de)比(bi)(bi)例不(bu)(bu)得(de)超(chao)(chao)過(guo)(guo)總股(gu)(gu)(gu)(gu)本(ben)(ben)的(de)(de)2%。四(si)是其他金融(rong)(rong)(rong)企(qi)業的(de)(de)內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)，如國(guo)家有(you)(you)關(guan)(guan)(guan)部(bu)門另有(you)(you)規(gui)(gui)(gui)(gui)定，從(cong)其規(gui)(gui)(gui)(gui)定。五是對國(guo)家有(you)(you)關(guan)(guan)(guan)規(gui)(gui)(gui)(gui)定出臺前已實(shi)施內(nei)(nei)部(bu)持(chi)股(gu)(gu)(gu)(gu)的(de)(de)金融(rong)(rong)(rong)企(qi)業，可結合有(you)(you)關(guan)(guan)(guan)法(fa)(fa)律(lv)法(fa)(fa)規(gui)(gui)(gui)(gui)的(de)(de)要(yao)求，逐步對內(nei)(nei)部(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)(gu)(gu)(gu)進行(xing)(xing)規(gui)(gui)(gui)(gui)范(fan)。
2、對違規(gui)擅(shan)自(zi)持有和(he)(he)超(chao)比例持有的內部職(zhi)工股由(you)金融企業回購(gou)或(huo)依法轉讓。對違規(gui)擅(shan)自(zi)持有和(he)(he)超(chao)比例持有的內部職(zhi)工股，金融企業可予(yu)以回購(gou)并(bing)按(an)規(gui)定(ding)減少注冊資(zi)本，或(huo)者(zhe)向(xiang)其他(ta)法人股東、社保基金等機構投資(zi)者(zhe)依法轉讓。實施(shi)回購(gou)時，回購(gou)價格(ge)按(an)實際出(chu)資(zi)額(e)加同期存款利息確定(ding)（利息以人民銀行規(gui)定(ding)的同期基準利率(lv)為準）。
（二）妥(tuo)善解決(jue)內部職工(gong)持股的歷史遺留問(wen)題。
; 1、規范內(nei)部職工(gong)(gong)以各種方(fang)式(shi)實施的(de)(de)(de)間接(jie)入(ru)股(gu)。內(nei)部職工(gong)(gong)通過信(xin)托計劃或其他信(xin)托方(fang)式(shi)、控股(gu)企(qi)業(ye)法(fa)人(ren)等方(fang)式(shi)間接(jie)入(ru)股(gu)的(de)(de)(de)應(ying)更(geng)正(zheng)為職工(gong)(gong)本人(ren)，其他按照內(nei)部職工(gong)(gong)身份入(ru)股(gu)的(de)(de)(de)自然(ran)人(ren)，如(ru)符合(he)相關(guan)規定且不(bu)(bu)存在(zai)代持(chi)(chi)股(gu)權情形的(de)(de)(de)，可不(bu)(bu)更(geng)正(zheng)為職工(gong)(gong)本人(ren)。對有關(guan)法(fa)律法(fa)規規定自然(ran)人(ren)不(bu)(bu)能(neng)成為相關(guan)金融(rong)企(qi)業(ye)股(gu)東的(de)(de)(de)，可在(zai)明晰產權的(de)(de)(de)基礎上(shang)，允(yun)許內(nei)部職工(gong)(gong)間間接(jie)持(chi)(chi)股(gu)，但(dan)不(bu)(bu)能(neng)采取控股(gu)企(qi)業(ye)法(fa)人(ren)的(de)(de)(de)方(fang)式(shi)。本通知印(yin)發之前(qian)經國務(wu)院和金融(rong)監管部門批(pi)準(zhun)實施內(nei)部職工(gong)(gong)持(chi)(chi)股(gu)的(de)(de)(de)金融(rong)企(qi)業(ye)，已經上(shang)市的(de)(de)(de)，內(nei)部職工(gong)(gong)應(ying)按原批(pi)準(zhun)方(fang)案(an)繼(ji)續持(chi)(chi)股(gu)；還未上(shang)市的(de)(de)(de)，內(nei)部職工(gong)(gong)可按原批(pi)準(zhun)方(fang)案(an)繼(ji)續持(chi)(chi)股(gu)。
2、規(gui)范內(nei)(nei)部職(zhi)工(gong)認(ren)(ren)購(gou)股份的(de)(de)資(zi)(zi)金(jin)來源。內(nei)(nei)部職(zhi)工(gong)持股的(de)(de)認(ren)(ren)購(gou)資(zi)(zi)金(jin)應(ying)由(you)職(zhi)工(gong)個(ge)人負擔。由(you)金(jin)融(rong)企業提供(gong)貸款的(de)(de)，應(ying)自本(ben)(ben)通(tong)知印發之日(ri)起(qi)1年內(nei)(nei)收回本(ben)(ben)金(jin)，并按照人民銀行公(gong)(gong)布的(de)(de)同期貸款基準(zhun)利(li)率收取利(li)息(xi)。由(you)金(jin)融(rong)企業提供(gong)補貼的(de)(de)部分確認(ren)(ren)為職(zhi)工(gong)的(de)(de)工(gong)資(zi)(zi)薪(xin)金(jin)所(suo)(suo)得(de)(de)，按“工(gong)資(zi)(zi)、薪(xin)金(jin)所(suo)(suo)得(de)(de)”項目補繳(jiao)個(ge)人所(suo)(suo)得(de)(de)稅。對(dui)購(gou)股價格(ge)低(di)于當時(shi)凈資(zi)(zi)產的(de)(de)，差(cha)額部分予(yu)以補繳(jiao)，計入資(zi)(zi)本(ben)(ben)公(gong)(gong)積(ji)。
3、規范(fan)內部職工(gong)(gong)持股(gu)(gu)的(de)轉(zhuan)讓。未上市(shi)、已過上市(shi)鎖定(ding)期但尚(shang)在(zai)(zai)承諾期內的(de)內部職工(gong)(gong)股(gu)(gu)，不(bu)得向其他法人和(he)自然人轉(zhuan)讓，可由金融(rong)企業回(hui)購或在(zai)(zai)內部職工(gong)(gong)之間轉(zhuan)讓。
4、對完(wan)成股(gu)(gu)(gu)份制(zhi)改革(ge)金融企業(ye)的(de)(de)股(gu)(gu)(gu)份逐步實行集(ji)中(zhong)托管(guan)(guan)。規范存(cun)量內(nei)部(bu)職工股(gu)(gu)(gu)后，對完(wan)成股(gu)(gu)(gu)份制(zhi)改革(ge)的(de)(de)金融企業(ye)，應將包(bao)括內(nei)部(bu)職工股(gu)(gu)(gu)在內(nei)的(de)(de)全部(bu)股(gu)(gu)(gu)份，逐步集(ji)中(zhong)托管(guan)(guan)到主(zhu)管(guan)(guan)部(bu)門認可的(de)(de)獨立股(gu)(gu)(gu)權(quan)托管(guan)(guan)機(ji)構。
（三）規(gui)范內部職工持股在(zai)資本市場(chang)的上(shang)市和流通(tong)
1、加強公(gong)(gong)(gong)開發(fa)(fa)(fa)行(xing)(xing)新(xin)(xin)股(gu)(gu)(gu)(gu)(gu)的審查。由原合(he)作制(zhi)金(jin)融(rong)(rong)組織改制(zhi)形成的存在內(nei)(nei)(nei)部(bu)(bu)職(zhi)(zhi)(zhi)(zhi)工(gong)持股(gu)(gu)(gu)(gu)(gu)的金(jin)融(rong)(rong)企業，如提出(chu)公(gong)(gong)(gong)開發(fa)(fa)(fa)行(xing)(xing)新(xin)(xin)股(gu)(gu)(gu)(gu)(gu)申請，應采(cai)取回(hui)(hui)購內(nei)(nei)(nei)部(bu)(bu)職(zhi)(zhi)(zhi)(zhi)工(gong)持股(gu)(gu)(gu)(gu)(gu)、向其他(ta)法人股(gu)(gu)(gu)(gu)(gu)東和機(ji)構投(tou)資者轉讓等方式，進一步降低內(nei)(nei)(nei)部(bu)(bu)職(zhi)(zhi)(zhi)(zhi)工(gong)持股(gu)(gu)(gu)(gu)(gu)的數量(liang)和比例，回(hui)(hui)購或轉讓價(jia)格(ge)由雙方協商(shang)確定。公(gong)(gong)(gong)開發(fa)(fa)(fa)行(xing)(xing)新(xin)(xin)股(gu)(gu)(gu)(gu)(gu)后內(nei)(nei)(nei)部(bu)(bu)職(zhi)(zhi)(zhi)(zhi)工(gong)持股(gu)(gu)(gu)(gu)(gu)比例不得超過總(zong)股(gu)(gu)(gu)(gu)(gu)本的10%，單一職(zhi)(zhi)(zhi)(zhi)工(gong)持股(gu)(gu)(gu)(gu)(gu)數量(liang)不得超過總(zong)股(gu)(gu)(gu)(gu)(gu)本的1‰或50萬股(gu)(gu)(gu)(gu)(gu)（按孰(shu)低原則確定），否(fou)則不予(yu)核(he)準(zhun)公(gong)(gong)(gong)開發(fa)(fa)(fa)行(xing)(xing)新(xin)(xin)股(gu)(gu)(gu)(gu)(gu)。對其他(ta)提出(chu)公(gong)(gong)(gong)開發(fa)(fa)(fa)行(xing)(xing)新(xin)(xin)股(gu)(gu)(gu)(gu)(gu)申請的金(jin)融(rong)(rong)企業，內(nei)(nei)(nei)部(bu)(bu)職(zhi)(zhi)(zhi)(zhi)工(gong)持股(gu)(gu)(gu)(gu)(gu)比例或數量(liang)應符合(he)有關監管(guan)部(bu)(bu)門(men)的規(gui)定。
2、加強二級(ji)市(shi)(shi)場的(de)(de)流通(tong)管理。已(yi)上市(shi)(shi)和以(yi)后上市(shi)(shi)的(de)(de)金(jin)(jin)融(rong)企(qi)業(ye)，對金(jin)(jin)融(rong)企(qi)業(ye)高(gao)管和其他持(chi)有內部職工(gong)股(gu)超(chao)過(guo)5萬股(gu)的(de)(de)個人(ren)，應采(cai)取措施規(gui)范(fan)其持(chi)有內部職工(gong)股(gu)的(de)(de)二級(ji)市(shi)(shi)場轉讓。相關金(jin)(jin)融(rong)企(qi)業(ye)高(gao)管和個人(ren)應當承諾自金(jin)(jin)融(rong)企(qi)業(ye)上市(shi)(shi)之(zhi)日起，股(gu)份轉讓鎖(suo)定期不(bu)得低于三年(nian)，持(chi)股(gu)鎖(suo)定期滿(man)后，每年(nian)可出售股(gu)份不(bu)得超(chao)過(guo)持(chi)股(gu)總數的(de)(de)15%，5年(nian)內不(bu)得超(chao)過(guo)持(chi)股(gu)總數的(de)(de)50%。
; （四）引導金(jin)融(rong)企(qi)業(ye)探索實施員(yuan)工持股(gu)計劃
在規范金(jin)(jin)融企業存量內部(bu)職(zhi)工持股的(de)基礎(chu)上，互助合作性質金(jin)(jin)融企業的(de)內部(bu)職(zhi)工持股，可繼(ji)續按照現有規定執(zhi)行；其他(ta)金(jin)(jin)融其他(ta)應根據(ju)實施股權激(ji)勵的(de)有關規定，進一(yi)步完善激(ji)勵約(yue)束機制(zhi)，探索實施員(yuan)工持股計劃。股權激(ji)勵的(de)具(ju)體辦法(fa)另行制(zhi)定。
金(jin)融(rong)企(qi)(qi)業離(li)職(zhi)(zhi)或離(li)退休職(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)(chi)有的(de)內(nei)部(bu)(bu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)股(gu)(gu)，金(jin)融(rong)企(qi)(qi)業職(zhi)(zhi)工(gong)(gong)(gong)(gong)死亡(wang)后其繼承人(ren)(ren)依(yi)法承繼的(de)內(nei)部(bu)(bu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)股(gu)(gu)，金(jin)融(rong)企(qi)(qi)業內(nei)部(bu)(bu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)以(yi)外的(de)個人(ren)(ren)以(yi)內(nei)部(bu)(bu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)身份(fen)(fen)認(ren)購的(de)股(gu)(gu)份(fen)(fen)，以(yi)及(ji)個人(ren)(ren)作為金(jin)融(rong)企(qi)(qi)業實際控制人(ren)(ren)以(yi)內(nei)部(bu)(bu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)身份(fen)(fen)認(ren)購的(de)相關股(gu)(gu)份(fen)(fen)，納入內(nei)部(bu)(bu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)(chi)股(gu)(gu)計算范(fan)圍(wei)，比(bi)照(zhao)上述規定進(jin)行規范(fan)。外資金(jin)融(rong)企(qi)(qi)業的(de)內(nei)部(bu)(bu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)(chi)股(gu)(gu)，不(bu)納入本次規范(fan)的(de)范(fan)圍(wei)。
三、切實加強組(zu)織(zhi)領導
規范金融(rong)企(qi)業(ye)內(nei)部(bu)(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)涉及面廣(guang)、政策性強，涉及國家(jia)，金融(rong)企(qi)業(ye)以及內(nei)部(bu)(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)之間的利益分配關(guan)系，有關(guan)方面要(yao)高度(du)重視，切實加強組織領導(dao)。金融(rong)企(qi)業(ye)內(nei)部(bu)(bu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)持(chi)股(gu)的規范工(gong)(gong)(gong)(gong)作(zuo)，由金融(rong)監(jian)管部(bu)(bu)門(men)根據監(jian)管分工(gong)(gong)(gong)(gong)負責落實，地方各(ge)(ge)級人(ren)民(min)政府(fu)予以配合。各(ge)(ge)金融(rong)監(jian)管部(bu)(bu)門(men)要(yao)認真履行(xing)(xing)職(zhi)(zhi)(zhi)責，敦促(cu)金融(rong)企(qi)業(ye)落實各(ge)(ge)項(xiang)要(yao)求，對落實不力(li)的金融(rong)企(qi)業(ye)要(yao)有懲戒性的監(jian)管措施(shi)。地方各(ge)(ge)級人(ren)民(min)政府(fu)要(yao)明確職(zhi)(zhi)(zhi)責分工(gong)(gong)(gong)(gong)，制定(ding)工(gong)(gong)(gong)(gong)作(zuo)計劃，指定(ding)專門(men)機構(gou)負責，配合金融(rong)監(jian)管部(bu)(bu)門(men)做好相關(guan)工(gong)(gong)(gong)(gong)作(zuo)。各(ge)(ge)有關(guan)金融(rong)企(qi)業(ye)要(yao)認真執(zhi)行(xing)(xing)國家(jia)政策，做好職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)思(si)想(xiang)工(gong)(gong)(gong)(gong)作(zuo)，引導(dao)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)樹立社會責任意(yi)識，確保(bao)各(ge)(ge)項(xiang)工(gong)(gong)(gong)(gong)作(zuo)的落實。在(zai)實施(shi)過程(cheng)中，要(yao)依法合規，注意(yi)做好宣傳(chuan)解釋和輿論引導(dao)，及時(shi)制定(ding)風險(xian)預案，確保(bao)各(ge)(ge)項(xiang)工(gong)(gong)(gong)(gong)作(zuo)順利進行(xing)(xing)。
財政部(bu)負責牽頭成(cheng)(cheng)立由財政部(bu)、人民銀行(xing)、銀監(jian)(jian)會(hui)、證(zheng)監(jian)(jian)會(hui)和保監(jian)(jian)會(hui)組成(cheng)(cheng)的工作(zuo)小組，協調有關具體政策(ce)。銀監(jian)(jian)會(hui)、證(zheng)監(jian)(jian)會(hui)和保監(jian)(jian)會(hui)于2010年底(di)前分別匯總本(ben)系統金融(rong)企業(ye)內部(bu)職(zhi)工持股規范情況，經工作(zuo)小組審核(he)匯總后上報(bao)國(guo)務院。
