证监会简化已故投资者小额遗产继承程序

Core Points - The China Securities Regulatory Commission (CSRC) issued a notice to simplify the inheritance process for small estates of deceased investors, outlining specific requirements for heirs to apply for the inheritance of assets [1][2]. Group 1: Inheritance Process Requirements - The notice specifies that both the deceased investor and the applicant must be domestic individuals, with the applicant being the spouse, children, parents, or designated heirs in a notarized will [1]. - The total net assets of the deceased investor in accounts at the same securities company must not exceed 50,000 RMB, and the same limit applies to public fund products managed by the same fund management company [1]. - Applicants must visit the securities company's business location to process the inheritance and provide necessary documentation, including death certificates and proof of relationship [1]. Group 2: Institutional Responsibilities - Institutions accepting applications must conduct necessary reviews of submitted materials and can reset trading passwords for the deceased investor's accounts if conditions are met [2]. - If assets cannot be sold or redeemed due to external factors, applicants may request non-trading transfers of securities or fund products [2]. - Institutions have the right to refuse applications if there are legal restrictions on the accounts or disputes among heirs, and they must report any fraudulent activities to judicial authorities [2]. Group 3: Internal Controls and Training - Institutions are required to strengthen internal controls for the inheritance process, establish standardized procedures, and ensure the protection of client information [3]. - There is an emphasis on training for branch staff and promoting policy awareness to improve service for applicants [3]. - Relevant associations are tasked with standardizing non-trading transfer and fund withdrawal processes for deceased investors [3]. Group 4: Scope of the Notice - The notice does not apply to inheritance matters involving overseas individuals [4].