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Dual system of wealth management and sales
Legal analysis: make systematic provisions on the management of "double recording", audio and video recording, internal system management and supervision management in product sales area. In terms of audio and video recording management, according to the requirements, banking financial institutions should simultaneously record the sales process of their own wealth management products and consignment products, and record the key sales links such as marketing promotion, related risks and key information tips, consumer confirmation and feedback completely and objectively. The contents confirmed by consumers should at least include their full understanding of the product risks revealed by the sales staff.

Legal basis: Notice on Issuing the Interim Provisions on the Administration of Audio and Video Recording in the Sales Area of Banking Financial Institutions.

Article 2 The term "double recording" in the sales area mentioned in these Provisions refers to that banking financial institutions sell their own wealth management products (hereinafter referred to as their own wealth management products) and wealth management products issued by cooperative institutions (hereinafter referred to as consignment products) in their business premises, and should implement the management of "double recording" in the sales area, that is, set up the sales area, and install an electronic system in the sales area to record and record the sales process of each product synchronously.

Banking financial institutions can decide whether to be included in the "double record" management of the special zone according to the actual situation.

Article 3 These Provisions shall apply to banking financial institutions selling their own wealth management products and products on consignment to individual consumers. Trust companies and postal savings bank agencies shall refer to the implementation.