金融监管总局发文 规范银行保险机构资产管理产品信息披露行为

Group 1 - The core viewpoint of the article is the introduction of the "Management Measures for Information Disclosure of Asset Management Products by Banking and Insurance Institutions" by the National Financial Supervision Administration, aimed at standardizing information disclosure for asset management trust products, wealth management products, and insurance asset management products to enhance investor protection [1] - The new measures address the lack of a dedicated regulatory framework for information disclosure in asset management products, which currently exists in a fragmented manner across different regulations, necessitating a unified disclosure system tailored to the characteristics of these products [1] - The measures establish a principle of "same standards for similar businesses," clarifying the basic principles, responsibilities, common content, and internal management requirements for information disclosure across the three types of products, thereby improving regulatory consistency [1] Group 2 - The measures differentiate between public and private products, imposing stricter disclosure requirements on public products to enhance transparency, while allowing private products to follow industry practices and respect contractual agreements [1] - To ensure continuity in performance benchmarks, the measures stipulate that product managers should not adjust performance benchmarks without following strict internal approval processes and must disclose any adjustments in regular reports and updated product descriptions [2] - For existing products with long historical lifecycles, banks and insurance institutions are permitted to disclose only the adjustments made after the implementation of the new measures, acknowledging that historical benchmarks may have limited relevance for current investors [2]