民生银行称，请投资者通过银行网银、手机APP、95568热线或营业网点及时核实本人的公募基金产品持有情况，结合自身风险承受能力，审慎做出投资决定，如对调整存在异议或风险承受能力与调整后的产品风险等级不匹配，可自主决定产品赎回。基金产品由基金公司发行与管理，银行作为代销机构不承担产品的投资、兑付和风险管理责任。Starting from January 10, MINSHENG BANK will adjust the risk ratings of some publicly offered Fund products; Analysts indicate that investors need to "understand the rules and recognize the risks."
A report from Caixin on January 7 (Reporter Peng Kefi) states that there are risks in investment, and caution is required when entering the market. This afternoon, MINSHENG BANK announced on its official website that it will adjust the risk ratings of some bank-distributed publicly offered fund products starting January 10, 2025. Caixin reporters noted that last year MINSHENG BANK had frequently raised the risk ratings of several publicly offered fund products it distributed, including equity investment products.
According to a reporter from the Financial Community, the publicly offered Fund product that MINSHENG BANK is adjusting is the "217018" code of the CMB Anrui Progressive Bond Securities Investment Fund, and its adjusted risk level is "medium risk." Based on past information, this Fund product has been rated as "medium to low risk" by some Banks. In terms of asset allocation, the CMB Anrui Progressive Bond, as a mixed bond, generally has an equity asset ratio close to 20%.
MINSHENG BANK states that investors should verify their holdings of publicly offered fund products in a timely manner through the bank's online banking, mobile APP, 95568 hotline, or at business outlets, and make investment decisions prudently based on their own risk tolerance. If there are objections to the adjustments or if the risk tolerance does not match the adjusted product risk level, consumers can decide to redeem the products independently. The fund products are issued and managed by the fund company, and the bank, as the distributing institution, does not bear the responsibility for investment, payment, and risk management of the products.
It is worth noting that MINSHENG BANK has already taken similar actions in 2024. On March 13 and June 25, 2024, MINSHENG BANK also announced on its official website that it would adjust the risk ratings of certain publicly offered Fund products. In addition, major state-owned Banks like Construction Bank had also issued announcements to raise the risk ratings of publicly offered Funds.
In this regard, a macro analyst from a brokerage told Caixin reporters that this move is to respond to regulatory calls, enabling investors to achieve "understanding the rules and recognizing risks." With the new asset management regulations already in place, whether purchasing bank wealth management products, funds, or REITs, consumers need to enhance their risk awareness and take responsibility for their purchases.
Yoo Zhi, a researcher from Yonyou Trust, previously told Caixin reporters that this move by banks is aimed at strengthening investor protection. Its essence, just like the previous halting of third-party sales by trusts, is to control risks and ensure financial institutions operate in compliance.
