两家银行因基金销售违规被出具警示函

Core Viewpoint - Two banks, Hainan Bank and Huaxia Bank Haikou Branch, received warnings from the Hainan Securities Regulatory Bureau for multiple violations in public fund sales [2][3][6] Group 1: Violations by Huaxia Bank - Huaxia Bank Haikou Branch had management personnel involved in fund sales without the required qualifications, violating regulations [4] - The bank failed to include long-term investment returns of investors in the evaluation metrics for branches and sales personnel, breaching regulatory requirements [4] - The self-inspection of investor suitability was inadequately managed, which is against the stipulated regulations [4][5] Group 2: Violations by Hainan Bank - Hainan Bank did not timely apply for a new license after changes in its securities and futures business, violating regulations [8] - Some fund sales personnel lacked the necessary qualifications, which is a breach of the sales regulations [8] - The bank also failed to incorporate long-term investment returns into the evaluation metrics for its branches and sales personnel [8] - There were deficiencies in the internal control systems and the management of investor suitability self-inspections [8][9] - The product approval meetings lacked participation from research and compliance personnel, violating regulatory requirements [9] Group 3: Regulatory Context - There has been a rise in violations related to bank fund sales this year, prompting regulatory bodies to take strict actions against various banks [10] - Other banks, such as Dezhou Bank and Postal Savings Bank, have also faced similar regulatory measures for various violations in fund sales [10][11] - The increasing focus on fund sales as a significant revenue stream for banks necessitates improvements in assessment, investor suitability management, and compliance [11]