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金管局釐清「南向通」理財通宣傳及銷售安排 港銀准設三方對話推銷
金管局向銀行發通告,釐清大灣區「跨境理財通」的宣傳及銷售安排,應南向通客戶要求,內地夥伴銀行在符合內地相關監管要求的前提下,可協助客戶與香港銀行就「南向通」服務建立三方對話,而港銀代表可在過程中,向客戶介紹「南向通」的合資格理財產品。 通函提到,南向通投資者在投資專戶的交易受香港法例法規和監管制度下的保障,香港銀行若作出建議或招攬行為,應遵守適用的為客戶提供合理適當建議的責任;亦應遵守其他相關監管要求。香港銀行應與內地夥伴銀行在合作協議中就有關合作內容明確各方責任及義務。內地夥伴銀行不應有任何表示,示意該內地夥伴銀行為香港銀行在內地的代理或代表。 香港銀行公會主席、渣打香港兼大中華及北亞區行政總裁禤惠儀表示:「歡迎監管機構就跨境理財通—南向通的跨境銷售安排提供進一步指引。新措施不但為內地投資者提供一個便利的線上渠道了解合資格的香港理財產品,同時讓香港銀行業界向內地客戶介紹理財產品時,提供更清晰的指示及更大彈性。
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