據報工行(01398.HK)代銷鵬華聚鑫資管計劃全線違約 資金缺口或超20億人民幣
《界面新聞》獲悉,由鵬華基金子公司鵬華資產管理有限公司作為管理人、工商銀行(01398.HK)代銷的「鵬華聚鑫1號-25號資管計劃產品」已全線違約。
最新一期發售時間均為今年2月份,25隻產品原本全部應於今年8月到期,產品總規模或超40億元人民幣,資金缺口或超20億元人民幣。
8月14日,管理人鵬華資產發布產品提前終止公告稱,根據資管新規的要求,綜合考慮聚鑫系列產品的整體管理,資管計劃擬提前結束。最遲30天內完成分配。
鵬華資產之後再發出分配延期公告表示,資管計劃已經開始對持倉資產進行變現操作。一定比例的資產已經完成變現,但仍有個別資產存在嵌套結構,回款需要一定時間,將盡可能在40天內執行分配。
不過,投資人最終收到產品無法完全兌付的「噩耗」。有投資者在10月份收到工行口頭通知,其購買的聚鑫1號無法順利兌付。資產若強制變現,只能拿回本金的60%。
內地律師表示,作為管理人的鵬華資產或存在失職行為。工行作為代銷機構在銷售金融產品時需要履行適當性管理義務,對投資者進行風險測評和風險揭示,推介匹配合格投資者的產品,如果沒有做或者沒有做到位,導致投資者損失的,就會面臨行政責任和民事責任。
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