在第三方平台（基金销售公司）买私募，资金安全有保障吗？

Core Viewpoint - The article emphasizes the safety of investor funds in the private equity industry, highlighting that funds are protected by a regulatory framework that includes independent custodians and strict oversight, ensuring that even if a third-party sales platform fails, investor funds remain secure [2][21]. Group 1: Fund Security Mechanisms - The first line of defense for fund security is the independent custody system, mandated by regulations that require private equity funds to be managed by qualified custodians, typically large banks or reputable securities firms [4][7]. - Custodians have three core responsibilities: safeguarding fund assets, reviewing fund manager's fund transfer instructions, and supervising the disclosure of net asset values and reports [7]. - The process of purchasing a private equity product involves several steps, ensuring that funds are directed to a dedicated account monitored by a supervisory bank, rather than the sales platform's own accounts [9][10][11]. Group 2: Regulatory Oversight - Third-party sales platforms must possess a license issued by the China Securities Regulatory Commission, ensuring that only qualified entities can engage in private equity sales [18]. - Continuous regulatory checks are conducted by the CSRC and the Asset Management Association of China to ensure compliance, with penalties for violations including fines and license revocation [19]. - The operational status of a sales platform does not affect the continuity of purchased products, as funds are managed by independent custodians and fund managers [21][22]. Group 3: Investor Rights and Options - Investors retain ownership of their fund assets, which are held by independent custodians, ensuring that even in the event of a platform's bankruptcy, their investments remain protected [22]. - If a sales platform encounters operational issues, investors can still access their fund information and perform transactions directly through the fund manager or custodian [23][24]. - The private equity industry has established a robust safety system through fund custody, licensing, and comprehensive regulatory oversight, significantly reducing the risk of fund misappropriation [25].