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GB/T 32317-2015: Commercial bank customer risk tolerance assessment specification
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| Standard ID | Contents [version] | USD | STEP2 | [PDF] delivered in | Standard Title (Description) | Status | PDF |
| GB/T 32317-2015 | English | 279 |
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Commercial bank customer risk tolerance assessment specification
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GB/T 32317-2015
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Basic data | Standard ID | GB/T 32317-2015 (GB/T32317-2015) | | Description (Translated English) | Commercial bank customer risk tolerance assessment specification | | Sector / Industry | National Standard (Recommended) | | Classification of Chinese Standard | A11 | | Classification of International Standard | 03.060 | | Word Count Estimation | 13,178 | | Date of Issue | 2015-12-28 | | Date of Implementation | 2016-06-01 | | Quoted Standard | GB/T 32313 | | Regulation (derived from) | State Standard Announcement 2015 No.41 | | Issuing agency(ies) | General Administration of Quality Supervision, Inspection and Quarantine of the People's Republic of China, Standardization Administration of the People's Republic of China | | Summary | This standard specifies the basic elements of personal financial assessment of customer risk tolerance, process and evaluation criteria. This standard applies to personal financial customer risk tolerance assessment process and documentation standards. | GB/T 32317-2015: Commercial bank customer risk tolerance assessment specification---This is a DRAFT version for illustration, not a final translation. Full copy of true-PDF in English version (including equations, symbols, images, flow-chart, tables, and figures etc.) will be manually/carefully translated upon your order.
Commercial bank customer risk tolerance assessment specification
ICS 03.060
A11
National Standards of People's Republic of China
Personal financial clients risk tolerance
Assessment Specification
Issued on. 2015-12-28
2016-06-01 implementation
Administration of Quality Supervision, Inspection and Quarantine of People's Republic of China
Standardization Administration of China released
Table of Contents
Introduction Ⅲ
Introduction Ⅳ
1 Scope 1
2 Normative references 1
3 Terms and definitions
4 customer risk tolerance assessment of claims 1
4.1 target range 1
4.2 Information System 2
4.3 Evaluation Questionnaire Design 2
2 Document Management 4.4 Business
5 customer risk tolerance assessment calculation method
6 customer risk tolerance assessment process 2
6.1 Evaluation Objective 2
6.2 Risk Assessment 3
6.3 Analysis Process 3
7 customer risk tolerance assessment results apply 3
7.1 results to 3
7.2 Application of 3 Results
Appendix A (informative) personal financial customer risk tolerance assessment questionnaire Sample 5
Annex B (informative) personal financial customer risk tolerance assessment questionnaire Instructions Sample 7
References 8
Foreword
This standard was drafted in accordance with GB/T 1.1-2009 given rules.
The standard proposed by the People's Bank of China.
This standard by the National Standardization Technical Committee on Finance (SAC/TC180) centralized.
This standard was drafted. China Financial Computerization Corporation, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, China Everbright Bank, China Merchants
Commercial Bank, China Postal Savings Bank.
The main drafters of this standard. Wu Xiangyang Yang Qian, Denglin Ying, Zhao Zhilan, Yang Xiaoqiong, Meng industry, Cao Rong, Yang Hao Ning, Xujun Peng, Chen Yuan Xing,
Fumihiko Na, Zhang Shen Rong, Li Zhuo Fan, Zhu Liwei, Tao Zhongwei.
Introduction
In order to regulate sales practices of financial products, to protect the interests of customers, to ensure that sales of "suitability" principle, commercial banks according to "know your customer"
Principle, when customers buy financial products for clients risk tolerance assessment, designed to fully understand the customer's age, financial situation, investment
Capital experience, investment objectives, earnings expectations, risk appetite, liquidity requirements, risk awareness and risk tolerance, loss, etc., and according to survey results
Provide the appropriate level of risk products and services to customers. In order to regulate personal financial customer risk tolerance assessment process kimono
Service quality, the preparation of this standard.
Personal financial clients risk tolerance
Assessment Specification
1 Scope
This standard specifies the basic elements of personal financial assessment of customer risk tolerance, process and evaluation criteria.
This standard applies to personal financial customer risk tolerance assessment process and documentation standards.
2 Normative references
The following documents for the application of this document is essential. For dated references, only the dated version suitable for use herein
Member. For undated references, the latest edition (including any amendments) applies to this document.
GB/T 32313 personal financial services specification
3 Terms and Definitions
GB/T 32313 and defined by the following terms and definitions apply to this document.
3.1
Risk tolerance risktolerance
Personal Banking customers bear the investment losses without affecting the level of normal life.
3.2
Risk tolerance assessment assessmentofrisktolerance
Personal finance customer's risk tolerance evaluation process.
3.3
Financial products risk rating financialproductriskrating
In accordance with relevant state regulations, the risks of financial products exist were analyzed to determine the level of risk of financial products in the process.
3.4
Risk matching principle matchingprincipleofrisk
Commercial banks is equal to or lower than their risk tolerance and financial products can only be sold to the customer risk rating.
4 customer risk tolerance assessment requirements
4.1 target range
Commercial banks should be in personal finance before first-time customers of commercial banks financial products for risk tolerance assessment, determined by the customer signature
After recognize retained, specific requirements are as follows.
When --- for more than 65 years (including) personal finance clients risk tolerance assessment, should take full account of a customer's age, investment-related
Experience and other factors;
--- In addition to the risk assessment for the first time to buy outside, such as personal finance clients that may affect its ability to bear risk situation
Shape, once again buy financial products should be offered to commercial banks to be risk-bearing capacity assessment;
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