中信保诚多策略灵活配置混合型证券投资基金

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又有银行上调代销基金风险评级,涉及被动指数型债券基金
Hua Xia Shi Bao· 2025-05-14 03:23
Core Viewpoint - Recently, Citic Bank announced an adjustment to the risk ratings of 158 asset management products, marking the largest single batch adjustment in the industry in the past two years, primarily affecting low, medium, and medium-high risk products [2][3][4]. Group 1: Adjustment Details - The adjustment involves a wide range of fund companies, with 55 companies affected, including Southern Fund and Bank of China Fund, with Southern Fund having the highest number of products at 14 [3]. - The types of funds adjusted include 17 categories, with passive index bond funds and flexible allocation funds making up over 52% of the total, specifically 46 and 37 products respectively [3]. - Most products saw their risk ratings increased by one level, with the "Galaxy Income" product's risk rating raised from PR1 to PR3, a two-level increase [3]. Group 2: Reasons for Adjustment - Citic Bank stated that the adjustments are in response to regulatory requirements to enhance investor suitability management and protect investor rights, adhering to principles of consistency in risk ratings and adjustments based on market dynamics [4][6]. - The bank also highlighted that if the adjusted risk rating exceeds a customer's risk tolerance, it could lead to failed deductions for investment plans, which could automatically terminate after three consecutive failures [5]. Group 3: Industry Context - Since 2024, several banks, including China Construction Bank and Minsheng Bank, have also adjusted the risk ratings of their fund products, indicating a trend towards stricter risk management in the industry [5][7]. - The recent adjustments reflect a broader regulatory push for enhanced investor suitability management, as outlined in the new guidelines issued by the National Financial Supervision Administration [7].