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小额遗产继承简化程序
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证监会推出小额遗产继承便民措施,金额5万元以内免公证
Di Yi Cai Jing· 2025-07-25 11:36
Core Viewpoint - The financial industry has introduced a significant convenience measure following the simplification of small deposit withdrawals, specifically aimed at enhancing the process of small estate inheritance in the securities and fund sector [2][3]. Group 1: Simplification of Small Estate Inheritance - The China Securities Regulatory Commission (CSRC) has implemented a notification to simplify the inheritance process for small estates valued at 50,000 RMB or less, eliminating the need for notarization [2][3]. - Heirs can now directly process inheritance with necessary documents such as death certificates and proof of kinship, streamlining the previous requirement for notarized inheritance certificates [2][3]. - The new rules also address situations where securities are suspended or financial products are not yet due, providing clear guidelines for non-trading transfer applications [2][3]. Group 2: Industry Research and Feedback - Prior research by the CSRC and China Securities Depository and Clearing Corporation indicated a growing number of investors seeking to process small estate inheritances, with many reporting difficulties in convenience [3]. - Industry self-regulatory organizations in regions like Shanghai have explored simplification measures, but inconsistencies in practices highlighted the need for standardized regulations [3]. Group 3: Coverage and Efficiency - The new notification expands the scope of small estate inheritance to include all net assets under the same securities company or managed by the same public fund manager, as long as the total does not exceed 50,000 RMB [3][4]. - The regulations aim to ensure that the process is efficient and secure, balancing convenience with the protection of heirs' interests [3][4]. - The asset range now includes funds, securities, and public fund products, ensuring that the process is handled in a single instance, benefiting small and medium investors [4].