《银行保险机构资产管理产品信息披露管理办法（征求意见稿）》：对银行理财行业的影响

Regulatory Framework - The draft regulation aims to unify the disclosure standards for asset management products across banks and insurance institutions, enhancing regulatory consistency[2] - It establishes clear principles and obligations for information disclosure throughout the product lifecycle, including fundraising, ongoing management, and termination phases[6] Impact on Public Wealth Management Products - The regulation significantly raises the disclosure requirements for public wealth management products, mandating that information be disclosed publicly and through platforms recognized by the National Financial Regulatory Administration[3] - It prohibits misleading marketing based on past performance, steering the industry towards investor-oriented marketing practices[10] Industry Challenges and Opportunities - Short-term, the regulation may increase costs related to information technology and human resources for the industry[11] - Long-term, it is expected to enhance core investment capabilities and marketing effectiveness, laying a solid foundation for high-quality industry development[11] Investor Protection - The regulation emphasizes the importance of transparency, ensuring that investors have clear access to product information, risks, and returns[6] - It aims to protect investors' rights to know and choose, thereby improving overall market confidence[2]