重磅金融新规发布！向老人销售高风险产品应给予更多考虑时间

Core Viewpoint - The new "Measures for the Appropriateness Management of Financial Institutions" aims to enhance consumer protection and ensure that financial products are suitable for clients, particularly focusing on high-risk products sold to elderly customers [2][4][6] Group 1: Regulatory Framework - The "Measures" will take effect on February 1, 2026, and require financial institutions to understand both products and clients, ensuring appropriate matching and compliance in sales [2] - The scope includes investment products with uncertain returns that may lead to capital loss, such as wealth management products, asset management trust products, and various insurance products [3] Group 2: Consumer Protection - The "Measures" consist of five chapters and forty-nine articles, mandating financial institutions to assess risk tolerance and provide special protection for ordinary investors [4] - Financial institutions must classify investment products by risk level and conduct dynamic management, ensuring that ordinary investors receive adequate risk warnings and information [4] Group 3: Special Provisions for Elderly Clients - Financial institutions must exercise special care when selling high-risk products to clients aged 65 and above, including additional information gathering and risk warnings [6] - The regulations address the vulnerability of elderly clients, who may be misled by high-yield promises, thereby enhancing financial safety for this demographic [6] Group 4: Institutional Benefits - By strengthening appropriateness management, financial institutions can improve compliance, optimize services, and enhance their competitive edge, fostering a responsible and trustworthy image [5]