Sou Hu Cai Jing·2026-01-06 05:58Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is adjusting the risk assessment requirements for personal clients' accumulation fund business to enhance the protection of individual investors' rights in response to recent market instability. The new regulations will take effect on January 12, 2026 [1] Group 1: New Regulations - Starting from January 12, 2026, personal clients must complete a unified risk assessment questionnaire through various channels to open accumulation fund accounts or initiate new investment plans [1] - Clients are required to achieve a C3 - balanced assessment result or higher to proceed with these transactions [1] - Existing clients with valid assessment results do not need to retake the assessment, and those who have signed the risk disclosure document for accumulation funds are also exempt from re-signing [1] Group 2: Existing Clients - Clients who already have accumulation fund accounts will not be restricted by the new entry requirements when performing operations such as redemption, exchange, execution, modification, termination of investment plans within the validity period, and account cancellation [1]