Outlets are the least recommended, but if your fund determines a huge amount, you can use it.
Secondly, the first mode of online banking operation is not recommended, because the handling fee is higher than the second mode, but if you choose more funds and are too lazy to come one by one, you can catch them all on the online banking.
The second method is the most recommended, the handling fee will be relatively cheap, but the nature is direct sales, so if you choose more funds, it will be more troublesome for you to buy.
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The first type: open-end fund agent sales.
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Product definition:
Open-end fund consignment refers to the business of subscription, purchase and redemption of fund shares by banks authorized by China Securities Regulatory Commission and China People's Bank.
Open-end securities investment fund (hereinafter referred to as fund) refers to a fund whose total amount of fund issuance is not fixed, and the total amount of fund shares can be increased or decreased at any time, and investors can purchase or redeem fund shares at the prescribed business place according to the fund quotation.
Product features:
Fund management companies handle account opening, subscription, purchase, redemption, dividend distribution, transfer to custody, fund conversion, account cancellation, account cancellation, freezing, unfreezing, investor information modification and investor inquiry.
Applicable object:
The sales targets of the Fund's agents are China residents who hold valid People's Republic of China (PRC) ID cards, military ID cards and passports, and enterprises, institutions, social groups or other organizations legally registered in People's Republic of China (PRC) or established with the approval of relevant government departments.
Handler:
1. Open an account. Investors apply for establishing customer information and opening fund accounts at the agency outlets.
(1) Individual investors must personally apply for establishing customer information and opening a fund account, and may not be represented by others. And must provide the following materials:
① My Jinsui debit card;
(2) the original of my valid identity document;
③ Fill in the Fund Customer Information Registration Form and the Fund Account Opening/Closing Application Form.
(2) When applying for establishing customer information and opening a fund account, institutional investors shall provide the following materials:
① Unit Jinsui Debit Card;
(2) The original or photocopy of the business license of the enterprise and the photocopy with official seal;
Organization code certificate, the original registration certificate issued by the civil affairs department or the competent department provided by the legal person, public institution, social organization or other organization and a copy of the official seal;
(4) Power of attorney of the legal representative (with official seal and signature of the legal representative);
(5) The original and photocopy of the valid identity certificate of the agent;
6. Bank reserved signature;
⑦ Fill in the Fund Customer Information Registration Form and the Fund Account Opening/Closing Application Form.
(3) The bank handling personnel shall check whether the relevant materials, the Fund Customer Information Registration Form and the Fund Account Opening/Closing Application Form are complete, whether the certificates and materials are complete and effective, and whether the institutional investor's seal is consistent with the reserved seal.
2. subscribe. Refers to the behavior of investors applying for purchasing fund shares during the issuance and raising period.
(1) Subscription can be divided into two ways: amount or share, which is stipulated in the contract.
(2) Once the subscription transaction is accepted, it is irrevocable.
(3) Investors are requested to fill in the Application Form for Subscription of Consignment Fund and submit it to our operator together with Jinsui Debit Card.
(4) After the business is accepted, the printed Application Form for Recognition/Purchase of Consignment Fund shall be signed by the investor for confirmation.
Step 3 buy. Refers to the behavior of investors applying for purchasing fund shares during the existence of the fund.
(1) Subscription can be divided into two ways: amount or share, as specified in the contract.
(2) The subscription procedure is the same as the subscription procedure.
4. redemption. Refers to the behavior of investors applying to sell their fund shares during the fund's existence. When investors redeem open-end funds, they need to fill in the Application Form for Redemption of Consignment Funds and submit it to our operator together with Jinsui Debit Card. Successfully printed the Application Form for Redemption of Consignment Fund and submitted it to investors for signature.
5. Set the dividend distribution method. Dividend methods include: cash and dividend reinvestment, and investors can only set dividend methods for one fund at a time. If the investor does not set the dividend method when subscribing (purchasing) to purchase the fund share, the system will default to the method stipulated in the fund contract. Investors can apply to modify the dividend distribution method of the fund shares they already hold, and they need to fill in the Application Form for Fund Purchase/Subscription when applying.
6. Transfer custody. Refers to the behavior of fund investors to transfer the fund share in the fund account from one sales organization to another. Investors are requested to fill in the Power of Attorney for Fund Relocation and submit it to our operator together with Jinsui Debit Card. The successful acceptance and printing of the Power of Attorney for Fund Transfer Custody shall be signed by the investor.
7. Fund conversion. Refers to the behavior of investors exchanging different funds managed by the same fund manager. When investors apply for fund conversion, they need to fill in the Power of Attorney for Agency Fund Conversion and submit it to our operator together with Jinsui Debit Card. If the system times out, the last query must be made. If successful, pay the acceptance certificate; If the business is not successfully resubmitted. Accepting the successfully printed proxy fund conversion power of attorney requires investors' confirmation.
8. Cancel the account. Except for the following two points, other contents are basically the same as the account opening operation.
(1) Investors with fund shares in the fund account may not cancel the fund account.
(2) When the investor's account is in an abnormal (such as frozen) state, the capital account shall not be revoked.
9. Freezing and thawing. Freezing refers to the act that the investor himself or the judicial organ freezes the fund account or the available fund shares in the fund account. Unfreezing refers to the act of unfreezing a frozen fund account or fund unit. When applying for freezing or unfreezing, investors need to fill in the Application Form for Freezing Institutional Funds, and provide Jinsui Debit Card and valid documents. Thawing needs to be done at the outlets that originally applied for freezing.
10. Modify investor information. The investor proposes to modify the customer information, and the modified investor's fund account information should be consistent with the Jinsui debit card information.
Where an investor changes its name (or name), certificate type and certificate number, it shall fill in the Customer Information Registration Form and provide relevant materials. When the investor's fund account is frozen, the customer information may not be modified. The investor's name (or name), certificate type and certificate number cannot be changed at the same time, and any change of the above three items must be authorized by the person in charge of the outlet.
1 1. query. Investors can inquire about customer information, fund accounts, transactions and fund information, but they must produce valid identity documents and Jinsui debit cards.
12. institutional investors must apply for any of the above transactions at the outlets where fund accounts are opened.
Handling location:
Our bank has 20,000 outlets nationwide to handle open-end fund business. Please contact 95599 for details.
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The second type: fund online direct sales.
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Product introduction:
The online fund direct selling launched by Agricultural Bank of China is a value-added service of our online payment system. Fund companies use our online payment system to provide investors with online account opening, application (subscription), redemption and inquiry services of open-end funds through its online trading platform. Fund online direct selling can meet the needs of fund investors for one-stop investment and financial management, and also provide efficient and economical investment channels for fund investors.
Product features:
1. Safe and reliable: The online direct selling system of Agricultural Bank of China Fund adopts SSL internet encryption technology and soft keyboard encryption technology to ensure the safety of investors' transactions and fund transfer.
7X24。 Convenient handling: investors can complete online fund account opening, subscription, redemption and other operations through the Internet, and at the same time break through the restrictions of time, place and transaction amount and enjoy 24x7 service.
Applicable object:
Individual customers of Agricultural Bank of China Jinsui Card (debit card and quasi-credit card).
Processing flow:
First, the fund online transaction account opening process
1. ABC Jinsui Card customers apply to become registered customers of personal online banking or apply for electronic payment cards.
2. Click the following link, log on to the website of the fund company, click the "Online Account Opening" link, read the online transaction agreement carefully and confirm it.
3. According to the prompt, enter the information such as name, fund online transaction password, address, ID number, and Jinsui card number. Jinsuika is the only subscription and redemption account for online trading of clients' funds. If you need to change your subscription or redemption account, please go to the fund company's direct sales outlets with valid documents.
4. The customer pays an account opening fee of 0.0 1 yuan to verify his identity. After the payment is successful, the back-office system of the fund company will open a fund TA account for the customer, thus realizing the binding between the TA account and the Jinsui card account, and completing the online account opening. (Note: after entering/hq/business.jsp/FID = 200020/ID =120003979/SID =105000780/index.html, all online banking with yellow background is version 2.0, but there is no such 0.0/kloc-0.
Second, the fund online subscription transaction process
1, Jin/HQ/business.jsp/FID = 200020/ID =120003979/SID =105000780/index.htmlSelect the corresponding fund company website, or customers can directly log in to the fund company website and select "Fund".
2. Log in with the fund account number (ID card) and password, purchase funds and generate orders.
3. Select registered customer payment or electronic payment card payment on the online payment page of Agricultural Bank of China, and confirm the completion of fund purchase.