7月25日，证监会办公厅发布《关于简化办理已故投资者小额遗产继承程序的通知》（以下简称《通 知》），明确了已故投资者的继承人，向证券公司、公募基金管理人、基金销售机构申请继承已故投资 者的小额遗产时的具体要求。 《通知》规定，办理已故投资者小额遗产继承业务的，应当同时符合四项条件，包括已故投资者和申请 人均应为境内自然人，且申请人为已故投资者的配偶、子女、父母，或者公证遗嘱指定的继承人、受遗 赠人；已故投资者在同一证券公司开立的账户项下的全部净资产合计不超过5万元人民币；已故投资者 持有的由同一公募基金管理人管理的公募基金等资管产品，或在同一基金销售机构开立的账户项下的公 募基金等资管产品不超过5万元人民币；申请人向证券公司申请办理小额遗产继承的，应当前往已故投 资者开户证券公司的营业场所进行现场办理。在办理小额遗产继承，申请人应向证券公司、公募基金管 理人、基金销售机构提交死亡证明等能够证明投资者已身故的材料、亲属关系证明材料、公证遗嘱、有 效身份证明文件等。 《通知》指出，接受申请的机构应当对申请人提交的材料进行必要审查，审查时应当尽到合理谨慎义 务。确认符合业务办理条件的，证券公司可以依申请人申请办理已 ...

Core Viewpoint - The article outlines a new regulatory framework by the China Securities Regulatory Commission (CSRC) aimed at simplifying the inheritance process for small estates of deceased investors, enhancing financial services for the public [2][9]. Summary by Sections Inheritance Process Simplification - The CSRC has issued guidelines to streamline the inheritance process for small estates of deceased investors, allowing heirs to apply for the inheritance of assets not exceeding 50,000 RMB (or equivalent foreign currency) [2][3]. - The guidelines specify that both the deceased investor and the applicant must be domestic individuals, with the applicant being a spouse, child, parent, or designated heir [2][3]. Eligibility Criteria - The total net assets of the deceased investor across all accounts at a single securities company must not exceed 50,000 RMB, excluding any accrued interest [2][3]. - For public fund products managed by the same fund manager, the total must also not exceed 50,000 RMB [3]. Application Requirements - Applicants must provide necessary documentation, including a death certificate, proof of relationship for first-order heirs, and valid identification [4][5]. - A signed commitment letter from the applicant is also required [5]. Institutional Responsibilities - Institutions receiving applications must conduct necessary reviews and can reset trading passwords for the deceased investor's accounts if the application is approved [5][6]. - Institutions are required to maintain internal controls and ensure proper handling of client information and transaction records [7]. Post-Application Procedures - After the inheritance process is completed, accounts with no remaining balances must be closed by the respective institutions [8]. - Institutions have the right to refuse applications under certain conditions, such as judicial freezes or disputes among heirs [8][6]. Exclusions and Implementation - The guidelines do not apply to inheritance matters involving overseas individuals [8]. - The new regulations will take effect from July 25, 2025 [9].