Article 2 Network financial planners refer to professionals who are engaged in financial management and meet the standards and access qualifications required by the state for this industry. Online financial planner is referred to as "OFP".
Article 3 Online financial planners who use the name and logo of OFP to engage in personal financial services and financial-related services in the financial field, industry, government, education and other professional services shall abide by these Standards.
Article 4 "Customers" refer to individuals and families who employ online financial planners in a legally authorized way and receive professional financial consulting services according to law.
Article 5 "Conflict of interest" refers to the situation that personal financial behavior, business activities, property or other interests of online financial planners may affect their fair and objective provision of financial advisory services.
Article 6 Personal financial planning refers to the decision-making process of whether individuals can or how to achieve financial goals through appropriate financial management.
Article 7 The "personal financial planning process" includes the following six basic steps:
(a) Establish and define the relationship with customers;
(2) collecting customer information;
(3) analyzing and evaluating the current financial situation of customers;
(four) to formulate and submit personal financial planning scheme to customers;
(five) the implementation of personal financial planning;
(six) monitoring the implementation of personal financial planning.
Article 8 "The scope of personal financial planning" refers to the preparation and analysis of financial reports, investment planning, income tax planning, education planning, risk management, retirement planning and real estate management involved in the process of personal financial planning.
Article 9 A network financial planner shall take relevant national laws and regulations as the code of conduct.
Tenth network financial planners should abide by and abide by social ethics.
Eleventh network financial planners serving financial institutions shall abide by the management regulations and ethics of their subordinate institutions.
Twelfth network financial planners to provide financial services to customers, should follow the principle of good faith, and shall not use the convenience of practice to seek illegitimate interests for themselves.
Thirteenth network financial planners in expanding their business, shall not have the following acts:
(a) Using falsehood or misleading advertising to exaggerate its own capabilities and the scale and business scope of its related institutions;
(2) When participating in lectures, interviews, publishing books and other publications, holding seminars, participating in radio and television programs, or publicizing through the Internet, tapes, CDs and other media, online financial planners contain elements that elevate themselves or exaggerate the scope of financial management business;
Article 14 A network financial planner shall not commit fraud, make false reports or intentionally submit false or misleading reports to clients, employers, employees, peers, government departments, legislative bodies or any other individuals and organizations during his practice.
Fifteenth network financial planners shall bear the following responsibilities when dealing with the financial assets or other assets of customers:
(1) When the network financial planner obtains legal authorization (such as special power of attorney, trust certificate, executor's power of attorney, etc.). ), have the obligation to exercise the right to keep and dispose of customers' financial assets and other assets within the scope of authorization according to law;
(2) The online financial planner shall confirm with the customer the total amount of financial assets and other assets authorized by the customer to be kept and disposed of in a timely manner, and keep complete records;
(3) After receiving the financial assets or other assets belonging to the customer, the online financial planner shall transfer the funds or other assets to the customer or its authorized third party immediately or within the time agreed with the customer. At the request of customers or other authorized persons, online financial planners should provide them with complete accounting records immediately;
(4) The online financial planner shall separate the financial assets or other properties of the client from those of the online financial planner or his company and keep accounts;
(5) Online financial planners can manage the financial assets or other properties of different customers in a unified way, provided that they comply with relevant laws and regulations and can provide detailed and accurate accounting records for each customer;
(6) As the trustee of the client's assets, the online financial planner must carefully and diligently keep all the client's assets or assets used for investment.
Sixteenth network financial planners should provide services honestly and fairly, and their objective and fair position is not affected by economic interests, relationships, external pressures and other factors.
Seventeenth network financial planners should make reasonable and prudent professional judgments based on the interests of customers when providing professional services to customers.
Article 18 An online financial planner shall treat clients, clients, partners and employers fairly and honestly, and disclose the conflicts of interest encountered in the process of providing professional services.
Article 19 When providing financial advisory services, online financial planners shall disclose information related to business development to customers, including conflicts of interest, changes in employment institutions, addresses, telephone numbers, supporting materials, qualification certificates, commission arrangements, other agency relationships and the agency scope of online financial planners in these agency relationships. And other information required by law.
Twentieth network financial planners should promptly disclose important information related to the professional services provided in writing. Written disclosure materials include:
(1) Relevant concepts and guiding principles applicable to online financial planners or their units when providing services to customers.
(2) If the customer needs it, the online financial planner should provide the resume of the person in charge of the unit and relevant staff to the customer in time, including education, work experience, professional level and relevant certificates and expertise.
(three) after the establishment of the contractual relationship, the network financial planner shall disclose the possible commissions and referral fees and their sources.
(4) Commissions and referral fees generated in the process of providing financial consulting services to clients and their sources.
(5) The network financial planner signs a written agency or employment contract with a third party.
(6) documents reflecting conflicts of interest.
Article 21 Before the contractual relationship is established, the online financial planner shall disclose to the client in written form all kinds of relationships that may affect its objectivity and independence.
Article 22 Before the formal establishment of the contractual relationship, the network financial planner can provide testimonials such as letters of recommendation from existing customers or original customers under the condition of observing the confidentiality clause to prove his competence.
Article 23 When an online financial planner establishes an initial business relationship with a customer, the terms of the transaction contract must be fair and reasonable to the customer. The network financial planner should explain the transaction risk, conflict of interest and other related information to the customer to ensure the fairness of the transaction to the customer.
Article 24 Before the termination of the contractual relationship between the two parties, if there is a conflict of interest, the online financial planner shall disclose the details to the customers and relevant personnel in time.
Twenty-fifth network financial planner agent to carry out financial services, it should be clear about the authority, holding a power of attorney.
Twenty-sixth network financial planners, whether employed by wealth management companies, investment companies or agency services, shall disclose information in accordance with the requirements of these Standards and provide services in accordance with unified standards.
Twenty-seventh network financial planner qualification certificate or employment relationship changes, it shall promptly inform the customer, unless otherwise agreed by both parties.
Twenty-eighth network financial planners should complete the training standards stipulated by the state, have the corresponding professional knowledge and experience, and be competent in financial management business.
Twenty-ninth network financial planners should provide financial consulting services to customers within their functions and powers. For those areas that are not competent, online financial planners can hire experts to assist in their work or consult professionals; Or introduce customers to other relevant institutions.
Thirtieth network financial planners should complete the content of continuing education stipulated by the state, and maintain and improve their professional competence.
Article 31 Without the written permission of the customer, the online financial planner shall not disclose any personal information of the customer to a third party other than the contractual relationship. However, under the following circumstances, the network financial planner can disclose and use relevant information:
(a) when opening a consulting or brokerage account, concluding a transaction or executing the specific requirements of customers, it is agreed by agreement;
(2) Information that needs to be disclosed according to law;
(3) When the network financial planner defends the accusation of dereliction of duty;
(4) When there is a civil dispute between the network financial planner and the customer that needs to be disclosed.
Thirty-second network financial planners should follow the same confidentiality standards for employers and customers.
Thirty-third network financial planners should have a sense of professional honor, and in the process of providing services, they should respect and treat customers and other financial planners politely. Network financial planners should also fully cooperate with their peers to maintain and enhance the public image and service quality of the industry.
Article 34 Internet financial planners shall use the name and logo of "OFP" in accordance with the requirements of various norms and guidelines formulated by the state.
Thirty-fifth network financial planners and other financial practitioners and related organizations should follow the principle of fair and reasonable competition to carry out business.
Thirty-sixth network financial planners know that other network financial planners violate the provisions of these standards, and shall notify the competent department. This Code does not require the disclosure of personal information when reporting or writing a written report based on survey results.
Article 37 When a network financial planner has reason to suspect that someone inside a financial institution is engaged in illegal activities, he shall immediately collect evidence and submit it to his immediate supervisor. If the network financial planner is convinced that the financial institution has violated the law and has not taken remedial measures, he should promptly report the situation to the corresponding regulatory authorities.
Thirty-eighth online financial planners engaged in other related industries shall obtain relevant industry qualifications, or obtain legal authorization and registration.
Article 39 Internet financial planners shall not use or threaten to use the specific provisions of these Standards to slander or maliciously harm their peers.
Fortieth due diligence refers to overall planning and supervision of implementation. Online financial planners should be timely, thoughtful and diligent when providing services to customers.
Forty-first network financial planners must provide and implement targeted financial advice according to the specific situation of customers.
Forty-second network financial planners should investigate the financial products they recommend to customers. The survey can be conducted by online financial planners themselves or by competent people or institutions recommended by them.
Forty-third network financial planners should guide and supervise their subordinates who assist them in providing personal financial services to customers, and stop their violations of these standards in time.