二，基金销售业务负责人和合规风控负责人(或合规风控人员)未对宣传海报出具合规意见书；个别基金 销售宣传海报未突出风险提示。 上述行为不符合《公开募集证券投资基金销售机构监督管理办法》、《关于实施的规定》、《公开募集 证券投资基金宣传推介材料管理暂行规定》相关规定。 广西证监局要求桂林银行应当高度重视前述问题，引以为戒，切实整改，提升规范运作水平，在规定期 限内向其提交书面报告。 来源：密探财经(ID：Spy Finance) 正在"一路奔袭"谋上市的桂林银行，近日突然被当地证监局"当头棒喝"。 据广西证监局官网披露，其对桂林银行采取了出具警示函措施(〔2025〕036号)，理由是该局对桂林银 行基金销售业务现场检查了发现两处问题。 一，个别分支机构基金销售业务负责人、基金销售信息管理平台运营维护人员未取得基金从业资格。 另据悉，桂林银行2015年8月曾获广西证监局批复拿下证券投资基金销售业务资格，当时就明确要求 其"开展此项业务时，应严格按照有关规定的要求，加强风险防范，严格管理销售行为，切实保护投资 者合法权益。" 桂林银行官网介绍说，该银行成立于1997年，是一家独立法人的国有控股银行，目前已是广西资产规 ...

【导读】相关负责人"无证上岗"、宣传海报"隐藏风险"，桂林银行被警示 11月7日，桂林银行因存在多项基金销售业务违规，收到广西证监局开具的警示函。 因基金销售多项业务违规被警示 广西证监局发布的公告显示，在对桂林银行的现场检查中，发现该行存在以下问题： 一是个别分支机构的基金销售业务负责人及信息管理平台运营维护人员未取得基金从业资格；二是基金销售业务负责人和合规风控负责人（或者合规风控 人员）未对宣传海报出具合规意见书；个别基金销售宣传海报未突出风险提示。 | 索 | bm56000001/2025-00012839 | ਜੋ ਵੇਂ | 行政执法;行政监管措施 | | --- | --- | --- | --- | | 发布机构 | 广西局 | 发文日期 | 2025年11月07日 | | ੧ 称 | 关于对桂林银行股份有限公司采取出具警示函措施的决定〔2025〕036号 | | | | ダ 号 | 行政监管措施决定书 [2025] 036号 | 主题词 | | 中国基金报记者 嘉合 鉴于上述违法违规行为，该局决定对桂林银行采取出具警示函的行政监管措施。同时，该局要求桂林银行高度重视上述问题，引以为戒，切实 ...

山西证监局强调，晋商银行应高度重视，严格对照基金销售相关法律法规，立即采取有效措施对上述问题进行整改，建立健全相关内控制度，强化人员资 质管理，严格落实备案报告要求，提高基金销售合规管理水平。 同时，山西证监局明确，晋商银行应当在收到本决定之日起30日内，向该局提交书面整改报告。 按照相关规定，商业银行负责基金销售业务的部门取得基金从业资格的人员不低于该部门员工人数的1/2；部门负责人取得基金从业资格，并具备从事基 金业务2年以上或者在金融机构5年以上的工作经历。 此外，证券基金经营机构聘任董事、监事和高级管理人员前，应当审慎考察并确认其符合相应的任职条件，自作出聘任决定之日起5个工作日内向中国证 监会相关派出机构报送任职情况备案登记表等备案材料。 【导读】晋商银行因两项基金销售业务违规收警示函 中国基金报记者 王建蔷 因基金销售业务存在两项违规，晋商银行被山西证监局采取出具警示函的行政监管措施。 晋商银行被警示 日前，山西证监局披露一则处罚决定书。处罚信息显示，经查，晋商银行存在以下问题：基金销售部门负责人未取得基金从业资格履职；对基金销售部门 负责人进行了调整，未报送相关人员免职、任职的备案材料。 上述情 ...

Core Viewpoint - The regulatory body has issued a warning letter to a branch of Zhongyin Securities and two responsible individuals due to violations related to the qualification management of personnel involved in fund sales, highlighting a trend of increased scrutiny in the fund sales sector this year [2][4]. Group 1: Regulatory Actions - The Inner Mongolia Securities Regulatory Bureau has taken administrative measures against Zhongyin Securities' Hohhot branch for failing to ensure that fund sales personnel possess the necessary qualifications [4]. - A total of over twenty penalty notices have been issued by various local securities regulatory bureaus this year, indicating a significant increase in regulatory actions against fund sales institutions [2]. - The responsible individuals, including the branch manager and another staff member, received warning letters for their roles in the violations, which included engaging in fund sales activities without the required qualifications [5]. Group 2: Industry Trends - The issue of "unqualified personnel" has become a major area of concern in the fund sales industry, with many institutions facing penalties for similar violations [6][8]. - Regulatory requirements stipulate that all personnel involved in fund sales must have the appropriate qualifications, and institutions are expected to implement robust training and compliance systems [8][9]. - The need for enhanced compliance and risk management frameworks within fund distribution channels has been emphasized, suggesting that institutions must strengthen internal controls to achieve better operational outcomes and regulatory evaluations [9].

Core Viewpoint - The Inner Mongolia Securities Regulatory Bureau has issued warning letters to Zhongyin International Securities Co., Ltd. and its employees for failing to ensure that fund sales personnel possess the required qualifications, violating relevant regulations [1][2][8]. Regulatory Violations - Zhongyin International Securities Co., Ltd. failed to implement personnel qualification management requirements, specifically not ensuring that fund sales personnel have the necessary qualifications [1][9]. - The violations are against the "Securities Investment Fund Sales Management Measures" (CSRC Order No. 91) Article 57 and the "Supervision and Management Measures for Publicly Raised Securities Investment Fund Sales Institutions" (CSRC Order No. 175) Article 30 [1][9]. Administrative Measures - The Inner Mongolia Securities Regulatory Bureau decided to issue warning letters as an administrative regulatory measure, which will be recorded in the securities and futures market integrity archives [1][2][9]. - The responsible individuals, including the head of the sales department, Ji Xiongfei, and employee Hou Sheng, are also subject to these warning letters due to their direct involvement in the violations [2][9][10]. Compliance Requirements - Fund sales institutions are required to establish and effectively implement a personnel qualification management system to ensure that all fund sales personnel possess the necessary qualifications [3][4]. - Continuous training and supervision of fund sales personnel's behavior are mandated to prevent similar violations in the future [4][5].

Core Viewpoint - Yantai Bank has been subjected to corrective supervision measures by the Shandong Securities Regulatory Bureau due to multiple violations in its fund sales business, highlighting the prevalent compliance risks in the banking sector's fund distribution activities and the stringent regulatory requirements for financial institutions [1][4]. Group 1: Violations Identified - The primary issues identified at Yantai Bank include ineffective execution of internal control and risk management systems in fund sales, which may lead to a lack of necessary regulatory constraints during the sales process [3]. - The bank failed to accurately disclose customer maintenance fees to investors when selling public fund products, which could mislead investors and affect their decision-making [3]. - The bank did not apply for a new license after changes occurred in the registered matters of its Securities and Futures Business License, violating relevant document management regulations [3]. Group 2: Regulatory Actions and Requirements - The Shandong Securities Regulatory Bureau specified that Yantai Bank's actions violated specific provisions of the "Supervision and Administration Measures for Fund Sales Institutions" [4]. - The regulatory authority has mandated the bank to enhance compliance management in its fund sales business and to submit a written rectification report within 30 days of receiving the decision [4]. - The rectification process must not only address existing issues but also establish a long-term mechanism to prevent similar violations in the future, with the regulatory body planning to follow up on the implementation of these measures [4].

Core Viewpoint - Dezhou Bank has been ordered to rectify multiple violations in its fund sales operations by the Shandong Securities Regulatory Bureau, highlighting ongoing regulatory scrutiny in the banking sector regarding compliance in fund sales activities [1][3]. Summary by Relevant Sections Fund Sales Violations - Dezhou Bank was found to have several violations in its fund sales, including allowing unqualified personnel to engage in fund sales activities and lacking a dedicated committee for product approval management [3][4]. - The bank's compliance and risk control personnel responsible for overseeing fund sales operations also did not possess the necessary qualifications [4]. Regulatory Actions - The Shandong Securities Regulatory Bureau has mandated Dezhou Bank to enhance its compliance management in fund sales and submit a written rectification report within 30 days of receiving the order [4]. - The violations were deemed to contravene the "Measures for the Supervision and Administration of Securities Investment Fund Sales Institutions" and related regulations [4]. Bank Background and Performance - Dezhou Bank, originally named Dezhou Commercial Bank, was established on December 7, 2004, and was the first city commercial bank approved by the former China Banking Regulatory Commission [4]. - In 2024, Dezhou Bank reported an operating income of 1.329 billion yuan, a total profit of 210 million yuan, and a net profit of 123 million yuan [4]. Industry Context - The regulatory environment for fund sales has tightened, with several banks facing penalties for similar violations this year, indicating a broader trend of increased scrutiny in the banking sector [7][8][9].