I. Concept
Fund subscription business is a business in which investors subscribe for a certain fund product within a certain investment period. After the fund management company accepts the investor's application for subscription of fixed investment, the fund agency will deduct the subscription amount from the fund account designated by the investor within a certain fixed period (1 month is the minimum unit) according to the investor's requirements. On June 6th, 2005, the Bank launched the fixed investment business of funds.
Two. Scope of investment business
Investors, especially individual investors, who invest in the subscription business of the fund.
Three. Fund companies that provide fixed investment subscription business.
No. Name of the fund company that started the fixed investment business of the fund, fund product code.
1 southern fund Management Co., Ltd. Southern Steady Growth Fund 20200 1
2 Huaan Fund Management Co., Ltd. Huaan MSCI China A-share Index Enhanced Fund 040002
3 Rongtong Fund Management Co., Ltd. Rongtong Shenzhen Stock Exchange 100 Index Fund 16 1604
4 Guolianan Fund Management Co., Ltd. Guolianan Desheng Steady Fund 2550 10
5 Guangfa Fund Management Co., Ltd. Guangfa Jufu Securities Investment Fund 27000 1
6 Shenwan Paris Fund Management Co., Ltd. Shenwan Paris Li Sheng Select Fund 3 10308
7 ICBC Credit Suisse Bank Fund Management Co., Ltd. ICBC Credit Suisse Bank Core Value Equity Securities Investment Fund 48 100 1
8 Guangfa Fund Management Co., Ltd. Guangfa Steady Growth Securities Investment Fund 270002
9 Rongtong Fund Management Co., Ltd. Rongtong Blue Chip Growth Fund 16 1605
10 nuoan fund management co., ltd. nuoan balanced securities investment fund 32000 1
1 1 boss fund management co., ltd. boss select stock fund 050004
12 southern fund Management Co., Ltd. Southern Baoyuan Bond Fund 202 10 1
13 Baoying Fund Management Co., Ltd. Baoying Pan-coastal Area Growth Fund 2 13002
14 Wu Dong Fund Management Co., Ltd. Wu Dong Jiahe Advantage Select Fund 58000 1
15 Guo Fu Fund Management Co., Ltd. Guo Fu Tianhui Selected Growth Fund 16 1005
16 ICBC Credit Suisse Fund Management Co., Ltd. ICBC Credit Suisse Select Balanced Fund 483003
17 Guangfa Fund Management Co., Ltd. Guangfa Jufeng Fund 270005
18 SDIC UBS fund management co., ltd SDIC UBS core enterprise fund 12 1003
19 Huitianfu Fund Management Co., Ltd. Huitianfu Advantage Select Fund 5 19008
20 Jing Shun Great Wall Fund Management Co., Ltd. Jing Shun Great Wall Emerging Growth Fund 260 108
2 1 South Active Allocation Fund of southern fund Management Co., Ltd. 160 105
22 Nuoan Fund Management Co., Ltd. Nuoan Equity Fund 320003
23 Penghua Fund Management Co., Ltd. Penghua Industrial Growth Fund 20600 1
24 Rongtong Fund Management Co., Ltd. Rongtong Juchao 100 Index Fund 16 1607
25 Shenwan Paris Fund Management Co., Ltd. Shenwan Paris New Power Fund 3 10328
26 E Fund Management Co., Ltd. E Fund Value Selection Fund 1 10009
27 BOC International Fund Management Co., Ltd. BOC International China Select Fund 16380 1
Four, the basic provisions of the fund fixed investment subscription business
1. Transaction time and fund status
(1) trading time: it shall be handled within the trading time specified on the open day.
(2) Fund status: the fund that provides fixed investment subscription business is a long-term fund, and the fund status must be "transaction".
2. Trading principle
(1) "Unknown price" refers to the net asset value of the fund unit on the transaction application date (fund deduction date) after the investor has completed the subscription business of the fund.
(2) "Amount Subscription" means that when an investor handles the subscription business of the Fund's fixed investment, it submits an application with the amount it holds as the unit.
3. Minimum purchase amount
The minimum monthly subscription amount of the fixed investment business of the Fund is 200 yuan RMB, the minimum additional amount is RMB 65,438+000, and the difference of investment amount is RMB 65,438+000.
4. Investment period
The investment period is divided into three years and five years (at present, ICBC has launched the fixed investment business of 36 1 plan and 60 1 plan).
5. Transaction cost and charging mode
(1) transaction fee: it is the same as the transaction fee of the general fund, and no additional fee is charged. The specific rates are subject to the product announcements of each fund.
(2) Charging method: consistent with the charging method announced by the Fund.
If the charging mode of this fund is "front-end and back-end", investors can choose the charging mode of front-end and back-end when handling the subscription business of this fund.
Application plan
(1) Prerequisite: RMB settlement account of China Industrial and Commercial Bank of China (deduction account for fund fixed investment subscription), fund trading card, fund trading account of China Industrial and Commercial Bank of China and TA fund account of fund management company (the account status is normal) must be opened first.
(2) The customer submits the fund transaction card, fills in the Application Form for Fixed Investment of the Fund in duplicate, and carefully reads the instructions on the back of the second application form. (Counter handling)
(3) Investors can apply for multiple times to participate in the fixed investment of the same fund, or they can participate in the fixed investment of multiple funds.
(4) refers to the agreement signed by investors in accordance with the provisions of fund management companies and consignment agencies.
(5) On the day of application, investors cannot apply to withdraw from the subscription business of the Fund.
(6) After the transaction confirmation (T+2) is successful, investors can print the fund business confirmation notice at the fund business acceptance branch of the bank.
(7) Only after the opening of the TA fund account is confirmed can you apply to participate in the subscription business of the fixed investment of this fund.
(8) After the customer applies for the fixed investment plan, it is not allowed to apply for cancellation of the TA fund account.
Step 7 deduct
(1) Deduction account: The personal RMB settlement account of the Bank in the same city corresponding to the Peony Card (including E-Times Card) or the wealth management account card is used as the deduction account, and the Bank does not provide fixed investment subscription service for regular cash payment over the counter.
(2) Deduction method: the system uses batch deduction method to deduct subscription funds.
(3) Deduction time:
① Application date: After the successful deduction from the fund account, the bank will batch process the investor's application for fixed investment in the fund and submit it to the fund company, and the fund management company will confirm the business application submitted by the investor.
② Other deduction cycle: after the investor applies for subscribing to the business plan of the Fund's fixed investment, our system will automatically deduct money from the fund account designated by the customer from the first day of each period (referring to the fund trading day) according to the deduction amount, investment period and deduction interval applied by the investor until the deduction subscription is successful. After the fund's fixed investment subscription business plan expires, it will stop the deduction subscription.
8. redemption
You can redeem the fund at any time. The redemption of fixed investment funds is the same as that of ordinary redemption. You can redeem the fund at any time at the business outlet with your valid ID card and fund trading card within the acceptance time.
9. Quit the plan
(1) Voluntary withdrawal: the investor voluntarily applies to withdraw from the subscription business of the fixed investment of the Fund, and after the fund management company confirms (T+2), the fixed investment plan stops and the system stops deducting money. Investors who voluntarily withdraw from the subscription business plan for fixed investment of the Fund shall submit the fund transaction and fill in the Application for Fixed Investment of the Fund in duplicate.
(2) Default Exit: If the funds in the designated deduction account of the investor are insufficient and the investor fails to make up the subscription funds as agreed, the system will record the number of defaults of the investor. If the default exceeds the maximum number of defaults (tentatively 3 times), the system will automatically terminate the investor's fixed investment plan.
10. Calculation of default time
If the balance of the investor's fund account in this period is insufficient, the subscription for deduction in this period is unsuccessful, and the number of defaults is increased once. In the next period, the system will not only deduct the subscription money of the previous period, but also deduct the subscription money of the current period. If the subscription of the previous period and the subscription of the current period are successful, the number of defaults will be reduced by one; If the last subscription and this subscription are successful, the default number will remain unchanged; If the supplementary deduction subscription and the current deduction subscription are unsuccessful, the number of defaults will be increased by one; And so on. During the whole investment period, if the default times exceed the maximum default times set by the fixed investment business parameters of the Fund, the implementation of this plan will be stopped.
1 1. Bonus
Enjoy fund dividends like normal subscription business, and the dividend method can be modified in our system.
12. Notes:
(1) Please deposit before 15: 00 every day (during fund trading hours).
(2) Redemption of funds subscribed through fixed investment does not affect the continuation of fixed investment deduction.
(3) For the fixed investment business of several fund companies, the deduction shall be made according to the order of the code of the registered institution from small to large. For details, please refer to the fund contract, prospectus, share offering announcement and other relevant product materials of each fund product.
Another problem is that the emerging new funds are not created by fund companies themselves, but also controlled by auditing, not to mention that the stock market is so big that it will not be tolerated.