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7合格投资者与销售适当性管理办法.pdf

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1、XX资产管理有限公司合格投资者与销售适当性管理办法XX 资产管理有限公司合格投资者与销售适当性管理制度第一章总则第一条为了规范公司 XX资产管理公司（以下简称“公司”或“本公司”）销售行为，确保基金和相关产品销售的适用性，履行合格投资者识别义务，充分提示投资风险。根据中华人民共和国证券投资基金法、私募投资基金监督管理暂行办法、私募投资基金管理人内部控制指引等法律法规、规范性法律文件及相关监管要求制定本制度。第二条销售适用性是指销售机构在销售基金和相关产品的过程中，注重根据投资者的风险承受能力销售不同风险等级的产品，把合适的产品卖给合适的投资者。第三条公司在实施销售适用性的过程中应当遵循以下指

2、导原则：（一）投资者利益优先原则。当公司利益与投资者的利益发生冲突时，应当优先保障投资者的合法利益。（二）全面性原则。公司应当将销售适用性作为内部控制的组成部分，将销售适用性贯穿于基金和相关产品销售的各个业务环节，对基金产品（或相关产品，下同）和投资者都要了解并做出评价。（三）客观性原则。公司XX部门对基金产品和投资者的调查和评价，应当尽力做到客观准确，并作为基金销售人员向投资者推介合适基金产品的重要依据。文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K

3、5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E

4、1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K

5、5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E

6、1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K

7、5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E

8、1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K

9、5 HG3L5P7R3G4 ZB7R3E1L8R4（四）及时性原则。产品的风险评价和投资者的风险承受能力评价应当根据实际情况及时更新。第二章合格投资者识别第四条公司应当向合格投资者募集资金，单只私募基金的投资者人数累计不得超过证券投资基金法、公司法、合伙企业法等法律规定的特定数量。第五条公司单一产品的投资者数量不得超过200 人。以合伙企业、契约等非法人形式，通过汇集多数投资者的资金直接或者间接投资于私募基金的，应当穿透核查最终投资者是否为合格投资者，并合并计算。第六条投资者转让本公司管理的基金份额的，受让人应当为合格投资者且基金份额受让后投资者人数应当符合前款规定。第七条公司仅对合格投资者进

10、行销售，合格投资者是指具备相应风险识别能力和风险承担能力，投资于单只私募基金的金额不低于 100 万元且符合下列相关标准的单位和个人：(一）净资产不低于 1000万元的单位；(二）金融资产不低于300万元或者最近三年个人年均收入不低于 50 万的个人。前款所称金融资产包括银行存款、股票、债券、基金份额、资产管理计划、银行理财产品、信托计划、保险产品、期货权益等。根据相关规定，下列投资者视为合格投资者：(一）社会保障基金、企业年金等养老基金，慈善基金等社会公益基金；文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3

11、G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:C

12、Q8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3

13、G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:C

14、Q8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3

15、G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:C

16、Q8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3

17、G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4（二）依法设立并在基金业协会备案的投资计划；(三）投资于所管理私募基金的私募基金管理人及其从业人员；(四）中国证监会规定的其他投资者。第八条公司 XX部门负责合格投资者的识别工作，公司XX部门负责合格投资者的复核工作。第九条在识别合格投资者的过程中，应根据不同的投资者类型要求提交以下材料、(一)金融机构出具的相关财产证明文件，包括：1.银行开具的存款证明文件；2.证券公司、基金公司开具的持有证券价值总额的证明文件；3.信托机构开具的持有信托产品的认购总额的证明文件；4.保险公司开具的保险

18、单现金价值总额的证明文件；5.其他金融机构开具的相关财产证明文件。（二）金融资产有效证明文件，包括：1.客户银行存折及复印件；2.银行卡对帐单；3.银行理财产品有效认购文件及复印件；4.证券公司、基金公司的对账单（包括网上交易的对帐单），须显示客户持有有价证券的价值总额。5.信托产品的有效认购文件关键页（包括合同编号、金额、签字页）及复印件；6.记名式债券及复印件等。文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E

19、1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K

20、5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E

21、1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K

22、5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E

23、1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K

24、5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E

25、1L8R4（三）个人、夫妻收入证明最近三年内个人所得税完税证明或单位出具最近三年内年收入证明。以上证明文件涉及到家庭金融资产的，除提供相关财产证明外，还需提供户口簿或其他家庭关系的证明文件。以上证明文件涉及到夫妻双方合计收入的，除提供相关收入证明外，还需提供结婚证、户口簿或其他夫妻关系的证明文件。（四）机构相关：营业执照、组织机构代码证、税务登记证、最近一个会计年度财务报表（经审计为佳），最近一期财务会计报表。（五）中国基金业协会登记备案证明材料。（六）其他证明产品身份的材料。第十条为避免变相突破合格投资者的规定，在合规投资者识别环节，业务人员应主动告知任何机构和个人不得以非法拆分转让为目的购

26、买私募基金，不得将私募基金份额或其收益权进行拆分转让，或从事其他变相突破合格投资者标准行为。同时，在产品设计环节，公司 XX部门应在基金合同约定产品转让条件。第十一条确认投资者为合格投资者之后，应要求投资者签字承诺其符合合格投资者标准，并承诺其为自己购买私募基金。第十二条在完成合格投资者确认程序后，募集机构应给予投资者不少于一天的投资冷静期，投资者在冷静期满后方可签署私募基金合同。文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4

27、 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8

28、G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4

29、 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8

30、G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4

31、 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8

32、G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4

33、 ZB7R3E1L8R4第三章产品风险评价第十三条对我司产品的风险评价由公司XX部门负责。第十四条产品风险评价结果应当作为公司向投资者推介产品的重要依据。第十五条产品风险评价以产品的风险等级来具体反映，产品风险包括以下三个等级：（一）低风险等级；（二）中风险等级；（三）高风险等级。第十六条产品风险评价应当至少依据以下四个因素：（一）招募说明书所明示的投资方向、投资范围和投资比例；（二）产品的历史规模和持仓比例；（三）产品的过往业绩及产品净值的历史波动程度；（四）产品成立以来有无违规行为发生。第十七条产品风险评价方法以及说明，在公司直销柜台接单处、网上直销系统中，向投资者公开。第十八条产品风险评

34、价的结果应当定期更新，过往的评价结果应当作为历史记录保存。第四章投资者调查评价与风险揭示第十九条公司 XX部门负责对投资者的风险承受能力进行调查评价，开展相关业务前，应当执行投资者身份认证程序，核查投资者的合格投资者身份，切实履行反洗钱等法律义务。文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5

35、 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1

36、L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5

37、 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1

38、L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5

39、 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1

40、L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4第二十条投资者评价应以投资者的风险承受能力类型来具体反映，公司将投资者风险承受能力分为以下五个类型：(一)保守型

41、;（二）稳健型；（三）平衡型；（四）成长型;(五)进取型第二十一条公司 XX部门负责我司投资者风险承受能力类型和评价规则的制定。第二十二条公司 XX部门应当在投资者首次购买公司产品前对投资者的风险承受能力进行调查和评价。第二十三条投资者放弃接受调查的，在投资者认、申购时要求投资者必须先完成风险测评。第二十四条公司 XX部门应对已有的客户信息进行分析等方式对投资者的风险承受能力进行调查，并通过当面、信函、短信、网络向投资者及时反馈评价的结果。第二十五条对投资者进行风险承受能力调查，应当从调查结果中至少了解到投资者的以下情况：（一）投资者基本信息，其中个人投资者基本信息包括身份信息、年龄、学历、职

42、业、联系方式等信息；机构投资者基本信息包括工商登记中的必备信息、联系方式等信息；文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3

43、L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4

44、文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3

45、L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4

46、文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3

47、L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4

48、文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4（二）财务状况，其中个人投资者财务状况包括金融资产状况、最近三年个人年均收入、收入中可用于金融投资的比例等信息；机构投资者财务状况包括净资产状况等信息；（三）投资知识，包括金融法律法规、投资市场和产品情况、对私募基金风险的了解程度、参加专业培训情况等信息；（四）投资经验，包括投资

49、期限、实际投资产品类型、投资金融产品的数量、参与投资的金融市场情况等；（五）风险偏好，包括投资目的、风险厌恶程度、计划投资期限、投资出现波动时的焦虑状态等。第二十六条公司 XX部门应当制定统一的问卷格式，同时应当在问卷的显著位置提示投资者在基金购买过程中注意核对自己的风险承受能力和基金产品风险的匹配情况，并予以确认。第二十七条公司暂采取线下书面调查的形式或电话录音的形式进行投资者风险承受能力调查，如业务需要通过互联网媒介在线向投资者推介基金的，相关程序另行规定。第二十八条公司调查和评价投资者的风险承受能力的方法及其说明应当在测试环节公开。第二十九条公司 XX部门应当定期或不定期地提示投资者重新

50、接受风险承受能力调查，其中每年在年度对账单中提示投资者重新接受风险承受能力调查，在客户服务的日常工作中对所接触客户进行不定期提示；过往的评价结果应当作为历史记录保存。原则上，投资者的评估结果有效期最长不得超过XX年(最长 3 年)，逾期需重新强制文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5 HG3L5P7R3G4 ZB7R3E1L8R4文档编码:CQ8G5Z8T6K5

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关键词：: 合格投资者销售适当管理办法

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