Workflow
基金产品
icon
Search documents
6家银行倒闭了,存款取不出来吗?建议储户了解这2点,存款更放心
Sou Hu Cai Jing· 2025-10-05 09:38
存款安全网:即便银行倒闭,您的资金也受层层保护 当银行倒闭的传言甚嚣尘上,储户心中难免泛起涟漪,焦虑情绪油然而生。然而,请您不必过度惊慌。在中国健全的存款保险制度之下,您的每一分钱都早 已被牢牢守护。 核心保障:50万元以内,本息全额无虞 最关键的一点,请您务必牢记:只要您的存款不超过50万元人民币,无论发生何种情况,您的本金和利息都将得到百分之百的赔付。这并非一句空话,而是 有法律法规作为坚实后盾。 存款保险制度:您的资金守护神 1. 法律基石与保障范围 在中国境内,所有吸收存款的金融机构,无论是大型商业银行、地方性合作银行,还是农村信用合作社,都必须依法加入存款保险制度。这意味着,一旦发 生不幸,作为存款人的您,在同一家银行的所有账户(包括活期、定期、大额存单等)的本金与利息合并计算,最高可获得50万元人民币的赔付。需要注意 的是,这项保障仅限于存款类产品,银行代销的理财产品、基金、保险等非存款类投资,则不在其列。 分散风险,确保万全:给您的两点贴心建议 为了让您的资金安全再添一层保障,我们为您梳理出以下两点至关重要的建议: 建议一:大额资金,分散布局,规避单一风险 1. 核心策略: 如果您在某家银行的总 ...
“新时代新基金新价值”,北京公募基金高质量发展在行动|中加基金走进高校,播种健康理财观
Xin Lang Ji Jin· 2025-09-30 02:15
Core Viewpoint - The article discusses the launch of a series of activities aimed at promoting high-quality development in the public fund industry in Beijing, emphasizing the importance of financial literacy among university students and the role of investment education in fostering a stable financial environment [1][4]. Group 1: Activities and Objectives - The "Beijing Public Fund High-Quality Development Series Activities" were initiated under the guidance of the Beijing Securities Regulatory Bureau, involving various stakeholders including fund managers and media [1]. - The activities included educational events at Central University of Finance and Economics and University of International Business and Economics, focusing on imparting financial knowledge and risk awareness to students [1][3]. Group 2: Financial Risk Awareness - The events aimed to raise awareness about common financial risks faced by students, such as illegal campus loans and consumer traps, highlighting the need for financial education to prevent losses [1][3]. - Real-life case studies were used to illustrate the dangers of scams like "刷单" (fake orders) and "零门槛" (zero-threshold) loans, emphasizing the hidden risks such as high interest rates and aggressive debt collection [3]. Group 3: Educational Approach - The educational approach included practical guidance on identifying legitimate financial institutions, understanding borrowing costs, and protecting personal information, thereby enhancing students' self-protection capabilities [3]. - The activities also introduced basic financial concepts and investment principles, encouraging students to think about their financial future and develop a rational investment mindset [3]. Group 4: Corporate Social Responsibility - The initiative reflects the company's commitment to corporate social responsibility and investor education, aiming to cultivate a rational investor base for a healthy financial market [4]. - The company plans to continue exploring new forms of investor education to disseminate high-quality investment concepts and risk awareness to a broader audience [4].
高质量发展在行动|国新国证基金:落实适当性管理 筑牢投资者保护防线
Xin Lang Ji Jin· 2025-09-29 02:37
专题:北京公募基金高质量发展系列活动 新时代、新基金、新价值 当前,我国公募基金行业正步入深化改革、提质增效的关键阶段。公募基金在实现规模增长的同时,也 面临着提升投资能力、优化客户体验、增强投资者信任等重要课题。近日,在北京证监局指导下,北京 证券业协会携手北京四十余家公募基金管理人、基金销售机构、基金评价机构以及多家主流媒体,共同 启动"北京公募基金高质量发展系列活动"。 健全投资者适当性管理体系,切实维护投资者合法权益,是推动公募基金行业高质量发展的重要一环。 什么是投资者适当性管理? 投资者适当性管理是指金融机构在向投资者销售金融产品或提供服务时,必须根据投资者的风险承受能 力、投资目标和财务情况,提供与其相匹配的产品或服务。简单来说,就是"把合适的产品卖给合适的 人"。 这一制度旨在避免由于产品风险与投资者承受能力不匹配而导致的投资损失,是保护投资者合法权益的 第一道防线。 为什么适当性管理如此重要? 1、保护投资者免受不当销售侵害:防止投资者在不知情的情况下购买远超自身风险承受能力的产品。 适当性管理包含哪些主要内容? 3、适当性匹配:将合适风险等级的产品推荐给相应风险承受能力的投资者。通常来说, ...
费改机遇期需先补合规课
Group 1 - The core viewpoint is that the popularity of bank fund distribution is increasing, but there are significant compliance issues that need to be addressed, particularly regarding unqualified sales personnel and inadequate internal controls [1][2][3] - The China Securities Regulatory Commission (CSRC) has solicited opinions on the management of sales fees for publicly raised securities investment funds, which may enhance banks' willingness to sell equity funds [2][4] - Major banks like China Merchants Bank, ICBC, and others are leading in fund distribution, as indicated by the latest data from the Asset Management Association of China [2] Group 2 - Several banks have faced penalties for violations in fund distribution, including unqualified sales personnel and inadequate internal assessment mechanisms [2][3] - Specific cases include Hainan Bank and Huaxia Bank, which were penalized for failing to ensure that sales personnel had the necessary qualifications and for not incorporating long-term investor returns into their evaluation systems [3][4] - The need for comprehensive sales process standardization is emphasized, with a focus on improving internal controls, enhancing the qualifications of sales personnel, and ensuring compliance with investor suitability management [4]
京管泰富基金"守护平安·‘香’伴安全"社区投教行成功举办 "警银基"三方联动模式构建全方位投资者保护体系
Xin Lang Ji Jin· 2025-09-26 14:49
Core Viewpoint - The event "Guarding Safety · 'Fragrance' Accompanies Safety" organized by Jingguan Taifu Fund aims to enhance investor education and protection, promoting the transformation and upgrading of the public fund industry in Beijing, in line with the "Action Plan for Promoting High-Quality Development of Public Funds" [1][14]. Group 1: Event Overview - The event is part of a series aimed at high-quality development of public funds, focusing on investor education and protection [1]. - The theme of the event is "New Era · New Fund · New Value," emphasizing the importance of enhancing service capabilities for the real economy [1]. - The event took place on September 25 in the Nansmall Street community of Xicheng District, Beijing, featuring an innovative "education + culture + interaction" model [1][14]. Group 2: Innovative Protection System - The event introduced a "Police-Bank-Fund" tripartite linkage model to establish a comprehensive investor protection system [3]. - Community police provided insights into prevalent online fraud and investment scams, using real cases to educate residents [3]. - Bank representatives shared information on common financial fraud methods and the characteristics of legitimate financial products [5]. Group 3: Cultural Integration in Education - The core activity involved a bamboo lantern-making experience that combined traditional culture with modern financial education [8]. - Each step of the lantern-making process corresponded to key financial safety knowledge, reinforcing the learning experience [8][10]. - The completed lanterns served as reminders for residents to remain vigilant against high-yield investment temptations [10]. Group 4: Community Engagement and Feedback - Residents expressed appreciation for the practical financial safety knowledge gained from the event, enhancing their confidence in identifying scams [7][11]. - The interactive teaching segments included real-life fraud cases, fostering a spirit of community cooperation [12]. - The event successfully demonstrated a replicable model for community investor education, strengthening neighborhood ties [14]. Group 5: Future Initiatives - Jingguan Taifu Fund plans to continue community education efforts, launching a series of activities titled "Ancient Capital New Rhythm · Jingcai Autumn" to further enhance investor service capabilities [14].
中信证券济南分公司收警示函 未严格规范员工执业行为
Zhong Guo Jing Ji Wang· 2025-09-26 02:27
Core Viewpoint - The Shandong Securities Regulatory Bureau has issued warning letters to CITIC Securities (Shandong) Jinan Branch and an employee, Wei Yifan, for violations related to fund sales activities by unqualified personnel and non-compliance with promotional material regulations [1][2][3]. Group 1: Regulatory Actions - CITIC Securities (Shandong) Jinan Branch was found to have unqualified marketing personnel conducting fund sales and failing to use company-approved promotional materials, indicating inadequate compliance management [1][3]. - Wei Yifan, while employed at CITIC Securities Jinan Branch, engaged in fund sales activities before obtaining the necessary qualifications and did not use the company's standardized promotional materials [2][6]. Group 2: Violations and Regulations - The actions of CITIC Securities Jinan Branch violated multiple regulations, including the "Measures for the Supervision and Administration of Securities Investment Fund Sales Institutions" and the "Compliance Management Measures for Securities Companies and Securities Investment Fund Management Companies" [1][3]. - Wei Yifan's conduct also breached the same regulations, specifically the provisions regarding the qualifications for fund sales personnel [2][6]. Group 3: Required Actions - The Shandong Securities Regulatory Bureau has mandated that CITIC Securities Jinan Branch strengthen its compliance and internal control management regarding fund sales and submit a written rectification report within 30 days of receiving the decision [3]. - Both CITIC Securities Jinan Branch and Wei Yifan have the right to appeal the regulatory measures within specified timeframes [4][6].
天相投顾|长周期考核重塑基金业:告别短期追逐,投资者获得感成为核心价值
Xin Lang Ji Jin· 2025-09-26 02:15
这一系列的制度安排,对基金行业重塑健康生态有着重要作用。 长期以来,基金行业似乎一度陷入了"短期规模魔咒"。在过度追求规模的考核方式下,部分基金管理人 和销售机构为了"冲业绩",可能通过追热点的方式在短期集中销售大量同类产品,但这一时期往往市场 情绪比较亢奋,甚至可能是市场的阶段性高点。当市场情绪冷却,基金出现较大业绩波动时,投资者可 能承受较大的损失。一旦投资者的损失超过了承受能力,则又可能集中赎回,给基金管理人造成很大的 规模下降压力,这种压力又会推动管理人继续去追求规模,从而形成"负面循环"。 专题:北京公募基金高质量发展系列活动 新时代、新基金、新价值 为持续推动公募基金行业健康发展,中国证监会于2025年5月发布《推动公募基金高质量发展行动方 案》(以下简称《行动方案》),《行动方案》的核心举措之一是全面强化基金行业的长周期考核理念 与激励约束机制,引导行业从"规模导向"转向"投资者回报导向",减少行业内长期存在的"基金赚钱而 基民不赚钱"的现象。 具体而言,《行动方案》明确要求基金管理人必须构建以基金业绩为主要考核指标的考核体系,并且对 规模、收入利润等基金公司的经营性指标要适度降低权重。与此同时 ...
嘉实基金:多措并举更好服务“长钱长投”
Xin Lang Ji Jin· 2025-09-26 01:58
专题:北京公募基金高质量发展系列活动 新时代、新基金、新价值 近日,在北京证监局指导下,北京证券业协会携手北京公募基金管理人、基金销售机构、基金评价机构 及多家主流媒体,共同启动"新时代·新基金·新价值——北京公募基金高质量发展在行动"活动。 自2024年9月24日"一揽子金融支持经济高质量发展的改革举措"落地以来,资本市场改革不断推 进,"1+N"政策体系渐次落地,系统性重塑了市场的基础制度和生态环境。伴随着中长期资金入市相关 卡点、堵点逐渐清除,各类投资者参与中长期投资的预期和信心明显改善,今年以来A股企稳回升,公 募基金赚钱效应不断积累。 另一方面,完善适配符合中长期资金需求的产品体系,持续提升中长期投资服务能力。围绕社保、年 金、保险、养老等中长期资金的多层次投资需求,加大多元工具型产品供给,推进投资策略多样化,提 升差异化解决方案提供能力,努力为投资者创造长期稳定收益。同时,持续深入开展投资者教育和陪 伴,帮助投资者增进投资认知、优化投资行为,促进投资行为的长期化,力争共同创造中长期较好投资 回报和体验。 展望未来,嘉实基金仍将积极行动、认真落实相关要求,不断完善公司治理机制,明确将"投资者利 益" ...
博芮投资|2025年金融教育宣传周——警惕假冒行业机构名义开展的不法活动
Xin Lang Ji Jin· 2025-09-23 10:23
Core Viewpoint - The article emphasizes the importance of financial education and awareness to protect investors from various forms of fraud in the fund industry, particularly during the 2025 Financial Education Promotion Week. Group 1: Types of Fraud - There are three main forms of fraud targeting investors: 1. Impersonation of fund company customer service hotlines to extract personal information such as ID numbers and bank account details [2][9]. 2. Creation of fake fund company websites and apps that promise high returns to lure investors into making deposits or transfers [3][9]. 3. Impersonation of well-known fund managers or employees through social media to mislead investors into joining illegal investment groups [4][9]. Group 2: Investor Awareness and Protection - Investors are advised to enhance their vigilance by avoiding trust in unknown contacts via social media or phone calls, refraining from scanning suspicious QR codes, and not joining unverified group chats [6][10]. - It is crucial for investors to protect their personal information and regularly monitor their investment accounts for any unusual activity, reporting any suspicious behavior to regulatory authorities [6][11]. Group 3: Verification and Identification - Investors should verify the legitimacy of fund companies and sales platforms by checking their credentials on the official website of the Asset Management Association of China [7][13]. - It is important to confirm that any fund sales platform has the necessary qualifications and that the recommended products are registered with regulatory bodies [7][13]. - Legitimate financial institutions will only conduct business under their company name and will not request payments to personal accounts [8].
金通安益|关于开展2025年金融教育宣传周活动的总结报告
Xin Lang Ji Jin· 2025-09-23 10:03
Core Viewpoint - The financial education campaign initiated by Anhui Jintong Anyi Investment Management aims to enhance public financial literacy and protect the rights of financial consumers and investors, aligning with national policies and directives [1][4]. Group 1: Activity Theme - The campaign emphasizes a people-centered approach, focusing on educating investors to make informed product choices based on their risk tolerance, avoid financial risks, and improve service experiences in the fund industry [2]. Group 2: Activity Content - Fund knowledge dissemination will occur through both online and offline channels, covering basic investment knowledge, risk identification skills, and legal rights protection [3]. - Investor education will include specialized lectures and interactive Q&A sessions to enhance awareness of risk prevention and self-protection [3]. - Personalized financial services will be offered to address investor inquiries and assist in asset allocation [3]. Group 3: Experience Summary - The campaign has led to a broader understanding among company employees regarding the importance of enhancing public financial literacy and protecting investor rights, while also improving internal control management [4]. - Public awareness of common financial fraud methods has increased, resulting in positive social outcomes from the educational activities [4]. - The company commits to continuing its people-centered service philosophy and fulfilling its responsibility in investor education to contribute to a healthy and transparent financial market [4].