统一披露规则让投资者买得更明白

Core Viewpoint - The article emphasizes the importance of information disclosure in protecting the rights of financial consumers, particularly regarding asset management products, through the newly released regulatory framework by the National Financial Regulatory Administration [1][2]. Group 1: Information Disclosure Standards - The regulatory approach advocates for a unified standard for information disclosure across similar financial products, ensuring fair competition and protection of investor rights [2]. - Prior to the new regulations, there was no dedicated information disclosure system for asset management trust products, wealth management products, and insurance asset management products, leading to inconsistent standards [2]. Group 2: Product Lifecycle Disclosure - During the product fundraising phase, financial institutions must clearly communicate the investment areas, operational methods, and risk levels associated with the product to investors [2][3]. - In the product operation phase, investors need to be informed about net value changes, profit and loss performance, and investment asset status, allowing them to adjust their investment strategies accordingly [3]. - At the product termination phase, financial institutions are required to disclose key information such as fee structures, profit distribution, and remaining asset allocation to ensure investors understand their returns [3].