1. Divide financial management into public offering and private offering. Public offerings can be public offerings, private investors can not exceed 200, and public offerings can be put into some non-standard products. At the same time, the sales starting point of a single public offering wealth management product will be reduced from the current 50,000 yuan to 6,543,800 yuan.

2. Non-standard assets require strict term matching, continue to guard against shadow banking risks, and wealth management products continue to be managed and accounted for separately.

3. Bank cash management products and fixed-term products with a term of more than 6 months can refer to the Monetary Fund and adopt the amortized cost method.

4. Public bank financing can also invest in securities. The amount of securities invested cannot exceed 65,438+00% of the total net assets of wealth management, nor can it exceed 30% of the single stock or fund you invest in.

5. Some equity classes and other special reasons cannot be returned to the table at present, or proper arrangements will be made.

Legal basis: Guiding Opinions on Regulating Asset Management Business of Financial Institutions

2. Asset management business refers to the financial business that banks, trusts, securities, funds, futures, insurance asset management institutions, financial asset investment companies and other financial institutions are entrusted by investors to invest and manage the property of the entrusted investors. Financial institutions perform the obligations of honesty, credit and diligence for the benefit of customers, and charge corresponding management fees. Customers bear investment risks and gain income. Financial institutions can agree with customers in advance in the contract to collect reasonable performance remuneration, which should be included in the management fee, and correspond to the products one by one and be settled one by one, and different products should not be mixed.

Asset management business is an off-balance-sheet business of financial institutions, and financial institutions may not promise to protect capital and income when conducting asset management business. When payment is difficult, financial institutions may not advance in any form. Financial institutions may not carry out on-balance-sheet asset management business.

Private investment funds shall be governed by special laws and administrative regulations on private investment funds. If there are no specific provisions in the special laws and administrative regulations on private equity investment funds, this opinion shall apply, and the relevant provisions on venture capital funds and government-funded industrial investment funds shall be formulated separately.

3. Asset management products include, but are not limited to, RMB or foreign currency bank non-guaranteed wealth management products, fund trusts, asset management products issued by securities companies, subsidiaries of securities companies, fund management companies, fund management subsidiaries, futures companies, subsidiaries of futures companies, insurance asset management institutions and financial asset investment companies. This opinion is not applicable to the asset securitization business carried out according to the rules promulgated by the financial management department and the pension products issued according to the rules promulgated by the human resources and social security department.

Iv. Asset management products are divided into public offering and private offering according to different ways of raising. Public offering products are publicly issued to an unspecified public. The criteria for determining the public offering of shares shall be implemented in accordance with the Securities Law of People's Republic of China (PRC). Private placement products are issued to qualified investors in a non-public way.