| Notice of the General Office of the China Banking Regulatory Commission on Issuing the Interim Provisions on the Administration of Audio and Video Recording of in Sales Sections of Banking Financial Institutions | | 中国银监会办公厅关于印发银行业金融机构销售专区录音录像管理暂行规定的通知 |
| (No. 110 [2017] of the General Office of the China Banking Regulatory Commission) | | （银监办发〔2017〕110号） |
| For the purposes of further regulating banking financial institutions' sale of wealth management products and agent products, and effectively protecting the lawful rights and interests of consumers in the banking sector, the Interim Provisions on the Administration of Audio and Video Recording in Sales Sections of Banking Financial Institutions are hereby issued to you for your compliance and implementation. | | 为进一步规范银行业金融机构理财及代销产品销售行为，切实维护银行业消费者合法权益，现将《银行业金融机构销售专区录音录像管理暂行规定》印发给你们，请遵照执行。 |
| August 23, 2017 | | 2017年8月23日 |
| Interim Provisions on the Administration of Audio and Video Recording in Sales Sections of Banking Financial Institutions | | 银行业金融机构销售专区录音录像管理暂行规定 |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 For the purposes of regulating banking financial institutions' sale of wealth management products and agent products, effectively preventing and treating the market phenomenon of misleading sales and unauthorized sales of financial products issued by the third party, and effectively protecting the lawful rights and interests of consumers in the banking sector, these Provisions are developed in accordance with the Banking Supervision Law of the People's Republic of China, the Law of the People's Republic of China on Commercial Banks and the Notice of the China Banking Regulatory Commission on Regulating the Sale of Commercial Banks on a Commission Basis (No. 24 [2016], CBRC). | | 第一条 为规范银行业金融机构理财及代销产品销售行为，有效防范和治理误导销售、私售“飞单”等市场乱象，切实维护银行业消费者合法权益，根据《中华人民共和国银行业监督管理法》、《中华人民共和国商业银行法》及《中国银监会关于规范商业银行代理销售业务的通知》（银监发〔2016〕24号），制定本规定。 |
| Article 2 For the purposes of these Provisions, “audio and video recording in sales sections” means that the banking financial institutions' sale in their business premises of wealth management products issued by them in accordance with the law (hereinafter referred to as “self-owned wealth management products”) and financial products issued by partner institutions in accordance with the law (hereinafter referred to as “agent products”) shall be subject to the administration of “ audio and video recording” in sales sections, that is, sales sections shall be set up, and be equipped with electronic systems to make synchronous audio and video recordings of the process of each sale of products. | | 第二条 本规定所称销售专区录音录像（简称专区“双录”），是指银行业金融机构在营业场所销售自身依法发行的理财产品（以下简称自有理财产品）及合作机构依法发行的金融产品（以下简称代销产品），应实施专区“双录”管理，即设立销售专区，并在销售专区内装配电子系统，对每笔产品销售过程同步录音录像。 |
| Banking financial institutions that sell national bonds and precious metal in kind on a commission basis may decide on its own whether to include them in “audio and video recording” in sales sections for management according to actual circumstances. | | 银行业金融机构代销国债及实物贵金属，可根据实际情况自行决定是否纳入专区“双录”管理。 |
| Article 3 These Provisions shall apply to banking financial institutions that sell self-owned wealth management products and agent products to individual consumers. These Provisions shall apply, mutatis mutandis, to trust companies and representative business offices of the Postal Savings Bank of China. | | 第三条 本规定适用于对个人消费者销售自有理财产品及代销产品的银行业金融机构。信托公司及邮政储蓄银行代理营业机构参照执行。 |
| Chapter II Administration of Product Sales Sections | | 第二章 产品销售专区管理 |
| Article 4 Banking financial institutions that sell self-owned wealth management products and agent products in their business premises shall set up sales sections, and equip them with audio-visual equipment. In the business premises with relatively small areas and unqualified for setting up independent sales sections, fixed sales counters may be set up, and be administered in accordance with the provisions on “audio and video recording” in sales sections. | | 第四条 银行业金融机构在营业场所销售自有理财产品及代销产品的，应进行销售专区建设并安装配备录音录像设备。个别面积较小、确实不具备设置独立销售专区条件的营业场所，可设置固定销售专柜，并按照专区“双录”相关规定进行管理。 |
| Banking financial institutions that sell self-owned wealth management products and agent products in their business premises shall conduct the sale in the sales sections, and shall not sell products outside the sales section, unless consumers purchase the products through self-service terminals and other electronic equipment. | | 银行业金融机构在营业场所销售自有理财产品及代销产品，应在销售专区内进行，不得在销售专区外进行产品销售活动。消费者通过自助终端等电子设备进行自主购买的除外。 |
| Article 5 Banking financial institutions shall have evident signs including the words “sales section” (or “sales counter”) and “audio and video recording” in the sales section, remind in conspicuous characters and eye-catching position that consumers may obtain product information through the information inquiry platform, website or other media, and give specific risk warnings. | | 第五条 银行业金融机构应在销售专区内配备包含“销售专区”（或“销售专柜”）、“录音录像”字样的明显标识，在显著位置以醒目字体提醒消费者可通过信息查询平台、网站或其他媒介了解产品相关信息，并进行明确的风险提示。 |
| Article 6 The salespersons of banking financial institutions shall observe the relevant regulatory requirements and have the corresponding qualification for wealth management and agency sale, and the information on and sales qualifications of salespersons shall be published in the section, unless it is otherwise prescribed by any law or regulation. No person except the employees of the institution may conduct marketing activities in business premises. | | 第六条 银行业金融机构销售人员应遵循相关监管要求并具有理财及代销业务相应资格，销售人员相关信息及其销售资格应在专区内进行公示，法律法规另有规定的除外。除本机构工作人员外，禁止其他任何人员在营业场所开展营销活动。 |
Article 7 A banking financial institution shall establish a uniform product information inquiry platform, and assign a special department to be responsible for information entry and management of the platform. The product information inquiry platform shall collect the basic information on all financial products in sale and within the duration, and the products not on the platform shall not be sold. The product information inquiry platform shall establish the product categorization catalogue, strictly differentiate the types of different products including self-owned products and agent products, publicly offered products and privately offered products, and sufficiently disclose product information, including such content as product types, issuer, risk degree, scope of qualified investors, fee rates, and fee collection methods.
．．．．．． | | 第七条 银行业金融机构应建立统一的产品信息查询平台，并由专门部门负责平台的信息录入及管理工作。产品信息查询平台应收录全部在售及存续期内金融产品的基本信息，凡未在平台上收录的产品，一律不得销售。产品信息查询平台应建立产品分类目录，严格区分自有与代销、公募与私募等不同产品类型，充分披露产品信息，产品信息涵盖产品类型、发行机构、风险等级、合格投资者范围、收费标准、收费方式等内容。
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