金融监管总局发布《银行保险机构资产管理 产品信息披露管理办法》

Core Viewpoint - The Financial Regulatory Administration has issued the "Management Measures for Information Disclosure of Asset Management Products by Banking and Insurance Institutions" to standardize information disclosure practices for asset management trust products, wealth management products, and insurance asset management products, thereby enhancing investor protection [1]. Group 1: Regulatory Framework - The current lack of a dedicated information disclosure regulatory system for asset management trust products, wealth management products, and insurance asset management products necessitates the establishment of a unified disclosure framework [1]. - The new measures aim to create a consistent regulatory standard across these three types of asset management products, addressing inconsistencies in existing regulations [1]. Group 2: Disclosure Requirements - The measures define basic principles, responsibilities, common content, and internal management requirements for information disclosure related to the three product categories [1]. - Institutions are urged to fulfill their fiduciary duties and ensure that investors' rights to information and choice are adequately protected [1]. Group 3: Performance Benchmarking - To maintain the consistency of product performance benchmarks, the measures stipulate that product managers should not adjust performance benchmarks without following strict internal approval processes [1]. - Any necessary adjustments to performance benchmarks must be disclosed in periodic reports and updated product descriptions, detailing all previous adjustments [1]. Group 4: Implementation Guidance - The Financial Regulatory Administration will guide banking and insurance institutions in the implementation of these new measures [1].