Investor Protection on March 15 | BOC Fund Actively Fulfills Responsibilities, Charts New Blueprint for 3·15 Consumer Protection Work

In recent years, the public fund market has continued to expand in size, with a growing variety of products. It has become an important channel for ordinary investors to participate in the capital market and achieve wealth preservation and appreciation. According to data released by the Asset Management Association of China, as of the end of January this year, the total size of public funds reached 37.77 trillion yuan, with 13,725 funds.

On the occasion of the “3.15 International Consumer Rights Day,” focusing on the core theme of “Safeguarding Financial Security and Boosting Consumer Confidence,” the public fund industry is emphasizing the protection of investors’ legal rights, popularizing rights protection knowledge, clarifying responsibilities of all parties, guiding rational investing, and promoting high-quality, compliant industry development. These actions are aimed at responding to investors with tangible efforts.

While the industry is experiencing rapid growth in scale, it is also entering a stage of high-quality development. However, issues such as scale-driven focus, short-term assessments, false advertising, style drift, and prioritizing initial issuance over retention still exist. The industry needs to uphold integrity obligations, optimize assessments and fee structures, improve investment research and risk control, enhance investors’ sense of gain, and better serve the real economy.

Reviewing the achievements in consumer rights protection in 2025, Bank of China Fund has taken solid measures to strengthen financial consumer protection, continuously practicing the “customer-centric” business philosophy, and improving investors’ awareness of rational and compliant investing. It has actively protected the “pocketbooks” of the public, contributing to a safe, healthy, and rational investment environment.

In terms of investor education, a comprehensive “online + offline” educational and promotional system has been established. In 2025, the industry carried out focused activities such as “3.15” and “5.15,” held 14 offline events throughout the year, published 36 educational articles and three live broadcasts reaching over 500,000 people, and sent more than 500,000 risk warning messages using simple language to popularize fund investment knowledge.

Regarding rights protection services, the industry has improved complaint management mechanisms, established special discussion meetings and working groups for key client complaints, employed diversified resolution methods to handle complex cases properly, and launched an online complaint management system to realize full-process digital management. These efforts have improved dispute resolution efficiency and customer satisfaction.

Standing at this important milestone of “3.15,” looking ahead to future consumer protection work, Bank of China Fund believes that the work should deepen in three areas: First, strengthen digital empowerment by leveraging the existing complaint management system and using big data traceability analysis to identify sources of complaints and provide early warnings.

Second, focus on the new track of pension finance by conducting precise and long-term investor education for personal pension products, guiding investors to establish scientific asset allocation concepts.

Third, solidify third-party cooperation management by refining responsibilities across sales channels, establishing a comprehensive suitability management mechanism throughout the product lifecycle, and reducing disputes from the source.

Meanwhile, continuously improve the full-process management system of “pre-approval, in-process control, and post-supervision” to effectively implement the “customer-centric” philosophy.

Editor: Xu Nannan, Xu Nan

Risk Reminder: Funds are subject to risks; investment should be cautious. The views expressed in this article do not constitute investment advice or any other form of recommendation and may change with circumstances.

(Edited by: Xu Nannan)