答：不(bu)可以(yi)。據《中國人民銀(yin)行金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)消(xiao)費(fei)者(zhe)(zhe)(zhe)(zhe)權(quan)益保護實施辦法》第二十四條，銀(yin)行、支付(fu)(fu)機構應當(dang)切實承擔金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)知(zhi)識(shi)(shi)(shi)普及和金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)消(xiao)費(fei)者(zhe)(zhe)(zhe)(zhe)教(jiao)育(yu)(yu)的主體責任，提高金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)消(xiao)費(fei)者(zhe)(zhe)(zhe)(zhe)對金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)產品和服務的認知(zhi)能力，提升金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)消(xiao)費(fei)者(zhe)(zhe)(zhe)(zhe)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)素養(yang)和誠(cheng)實守信(xin)意(yi)識(shi)(shi)(shi)。銀(yin)行、支付(fu)(fu)機構應當(dang)制定(ding)年度金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)知(zhi)識(shi)(shi)(shi)普及與(yu)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)消(xiao)費(fei)者(zhe)(zhe)(zhe)(zhe)教(jiao)育(yu)(yu)工(gong)作計劃，結合自身特點開展日常性金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)知(zhi)識(shi)(shi)(shi)普及與(yu)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)消(xiao)費(fei)者(zhe)(zhe)(zhe)(zhe)教(jiao)育(yu)(yu)活(huo)動，積(ji)極參(can)與(yu)中國人民銀(yin)行及其分(fen)支機構組織的金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)知(zhi)識(shi)(shi)(shi)普及活(huo)動。銀(yin)行、支付(fu)(fu)機構不(bu)得以(yi)營銷金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)產品或者(zhe)(zhe)(zhe)(zhe)服務替代(dai)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)知(zhi)識(shi)(shi)(shi)普及與(yu)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)消(xiao)費(fei)者(zhe)(zhe)(zhe)(zhe)教(jiao)育(yu)(yu)。
答：據(ju)《中國(guo)人民銀行金融消(xiao)費者權益保(bao)護實施辦法》規(gui)定，中國(guo)人民銀行分支機構對下(xia)列投訴不(bu)予接收：（1）投訴人投訴的機構、產品或者服務不屬于中國人民銀行監管范圍的；（2）投訴人未提供真實身份，或者沒有明確的被投訴人、沒有具體的投訴請求和事實依據的；（3）投訴人并非金融消費者本人，也未經金融消費者本人委托的；（4）人民法院、仲裁機構、其他金融管理部門、行政部門或者依法設立的調解組織已經受理、接收或者處理的；（5）雙方達成和解協議并已經執行，沒有新情況、新理由的；（6）被投訴機構已提供公平合理的解決方案，投訴人就同一事項再次向中國人民銀行分支機構投訴的；（7）其他不符合法律、行政法規、規章有關規定的。
答：信(xin)(xin)托(tuo)(tuo)公(gong)(gong)司的(de)(de)投(tou)資(zi)者(zhe)(zhe)教(jiao)(jiao)育(yu)(yu)工(gong)作分別針對(dui)消(xiao)費者(zhe)(zhe)和信(xin)(xin)托(tuo)(tuo)公(gong)(gong)司從業人員(yuan)。《信(xin)(xin)托(tuo)(tuo)消(xiao)費者(zhe)(zhe)權(quan)(quan)(quan)益保(bao)(bao)護(hu)自律(lv)公(gong)(gong)約(yue)》規定，首次(ci)(ci)認購信(xin)(xin)托(tuo)(tuo)產品或接受(shou)信(xin)(xin)托(tuo)(tuo)服務的(de)(de)消(xiao)費者(zhe)(zhe)，信(xin)(xin)托(tuo)(tuo)公(gong)(gong)司應當(dang)向其告(gao)知接受(shou)投(tou)資(zi)者(zhe)(zhe)教(jiao)(jiao)育(yu)(yu)的(de)(de)途徑，原(yuan)則上至少(shao)通(tong)知其參加一次(ci)(ci)投(tou)資(zi)者(zhe)(zhe)教(jiao)(jiao)育(yu)(yu)的(de)(de)專題講座、培(pei)訓(xun)研討會等宣傳教(jiao)(jiao)育(yu)(yu)活動。另外，《自律(lv)公(gong)(gong)約(yue)》還規定信(xin)(xin)托(tuo)(tuo)公(gong)(gong)司應當(dang)加強信(xin)(xin)托(tuo)(tuo)消(xiao)費者(zhe)(zhe)權(quan)(quan)(quan)益保(bao)(bao)護(hu)員(yuan)工(gong)教(jiao)(jiao)育(yu)(yu)和培(pei)訓(xun)，每年(nian)應當(dang)至少(shao)開展一次(ci)(ci)覆蓋公(gong)(gong)司各(ge)部(bu)門、各(ge)層級的(de)(de)信(xin)(xin)托(tuo)(tuo)消(xiao)費者(zhe)(zhe)權(quan)(quan)(quan)益保(bao)(bao)護(hu)培(pei)訓(xun)活動，以提高員(yuan)工(gong)的(de)(de)信(xin)(xin)托(tuo)(tuo)消(xiao)費者(zhe)(zhe)權(quan)(quan)(quan)益保(bao)(bao)護(hu)意(yi)識和能(neng)力。
答：信(xin)(xin)托(tuo)計劃的(de)(de)資金(jin)實行(xing)保管制，信(xin)(xin)托(tuo)計劃存(cun)續(xu)期間，信(xin)(xin)托(tuo)公司需選擇經營穩健的(de)(de)商業(ye)銀(yin)行(xing)擔任保管人(ren)。對(dui)非現金(jin)類(lei)的(de)(de)信(xin)(xin)托(tuo)財(cai)產(chan)，信(xin)(xin)托(tuo)當事人(ren)可(ke)約定實行(xing)第三(san)方保管，但中國銀(yin)保監會另有規(gui)定的(de)(de)，從其規(gui)定。
答：資(zi)產(chan)管(guan)(guan)理(li)業務是指銀行、信托、證券、基金(jin)(jin)、期貨、保險(xian)資(zi)產(chan)管(guan)(guan)理(li)機構、金(jin)(jin)融(rong)(rong)資(zi)產(chan)投資(zi)公司(si)等金(jin)(jin)融(rong)(rong)機構接受投資(zi)者(zhe)委托，對(dui)受托的投資(zi)者(zhe)財(cai)產(chan)進行投資(zi)和管(guan)(guan)理(li)的金(jin)(jin)融(rong)(rong)服務。金(jin)(jin)融(rong)(rong)機構為委托人利益履行誠實(shi)信用、勤勉盡責義務并(bing)收(shou)取相應的管(guan)(guan)理(li)費(fei)用，委托人自擔(dan)投資(zi)風(feng)險(xian)并(bing)獲得收(shou)益。金(jin)(jin)融(rong)(rong)機構可以與委托人在合同(tong)中事(shi)先約定收(shou)取合理(li)的業績報酬(chou)，業績報酬(chou)計入管(guan)(guan)理(li)費(fei)，須與產(chan)品(pin)一一對(dui)應并(bing)逐個(ge)結算，不同(tong)產(chan)品(pin)之間(jian)不得相互串用。
資(zi)產(chan)管理業務(wu)(wu)是金融(rong)(rong)機(ji)構的表外業務(wu)(wu)，金融(rong)(rong)機(ji)構開展資(zi)產(chan)管理業務(wu)(wu)時不(bu)得(de)承諾保本保收(shou)益。出現兌付(fu)困難(nan)時，金融(rong)(rong)機(ji)構不(bu)得(de)以任(ren)何(he)形式墊資(zi)兌付(fu)。金融(rong)(rong)機(ji)構不(bu)得(de)在表內開展資(zi)產(chan)管理業務(wu)(wu)。
答：金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)是指(zhi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機構(gou)(gou)之間互(hu)為(wei)交(jiao)易對手在資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)和(he)資(zi)(zi)產(chan)方(fang)面開展(zhan)交(jiao)易，或者(zhe)提供非交(jiao)易性質金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)，這種(zhong)交(jiao)易或服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)以資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)通為(wei)核(he)心。金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)可以從(cong)(cong)不同(tong)(tong)(tong)(tong)的(de)(de)角(jiao)度進行界定，從(cong)(cong)交(jiao)易環節看(kan)(kan)，金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)可以包括(kuo)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機構(gou)(gou)資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)端的(de)(de)存放、拆借、結算(suan)、貼現(xian)、再貼現(xian)、貸款、特(te)定目(mu)的(de)(de)載體投資(zi)(zi)等(deng)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)；資(zi)(zi)產(chan)端的(de)(de)資(zi)(zi)產(chan)出(chu)售、權(quan)益出(chu)售、債(zhai)(zhai)券融(rong)(rong)(rong)(rong)資(zi)(zi)、股權(quan)融(rong)(rong)(rong)(rong)資(zi)(zi)等(deng)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)；服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)端的(de)(de)代理(li)銷售、資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)托管、第三方(fang)存管、資(zi)(zi)本市(shi)場(chang)投資(zi)(zi)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)等(deng)。從(cong)(cong)機構(gou)(gou)發起方(fang)看(kan)(kan)，金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)包括(kuo)商業(ye)(ye)銀行、證券公(gong)(gong)(gong)(gong)司(si)(si)、保險公(gong)(gong)(gong)(gong)司(si)(si)、信托公(gong)(gong)(gong)(gong)司(si)(si)、基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)公(gong)(gong)(gong)(gong)司(si)(si)等(deng)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機構(gou)(gou)發起的(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)。從(cong)(cong)運行的(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)市(shi)場(chang)類型看(kan)(kan)，金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)包括(kuo)拆借市(shi)場(chang)、信貸市(shi)場(chang)、債(zhai)(zhai)券市(shi)場(chang)、股票(piao)市(shi)場(chang)、保險市(shi)場(chang)以及中(zhong)間業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)市(shi)場(chang)等(deng)。從(cong)(cong)資(zi)(zi)產(chan)端業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)看(kan)(kan)，金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)包括(kuo)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)工具使用(yong)和(he)交(jiao)易結構(gou)(gou)設計。從(cong)(cong)資(zi)(zi)產(chan)端投向所屬市(shi)場(chang)看(kan)(kan)，金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)同(tong)(tong)(tong)(tong)業(ye)(ye)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)可以分為(wei)標準(zhun)化(hua)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)和(he)非標準(zhun)化(hua)業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)。從(cong)(cong)商業(ye)(ye)銀行核(he)算(suan)方(fang)式看(kan)(kan)，可分為(wei)表(biao)內業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)和(he)表(biao)外業(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)。
答：可以。若信托(tuo)公(gong)司(si)將(jiang)信托(tuo)產品投資(zi)于其他機構(gou)發行的資(zi)產管理產品，從而將(jiang)信托(tuo)產品資(zi)金(jin)委托(tuo)給(gei)其他機構(gou)（“受托機構”）進行投資的，應當符合法律、行政法規、部門規章及其他規范性文件的規定。信托公司應與受托機構明確約定，受托機構接受委托后，應切實履行主動管理職責，不得進行轉委托。
信(xin)托(tuo)公司應(ying)(ying)當(dang)對(dui)受(shou)托(tuo)機構(gou)(gou)開展盡職調查，實(shi)行名單制管(guan)理，明確規定(ding)受(shou)托(tuo)機構(gou)(gou)的準(zhun)入標準(zhun)和程(cheng)序、責(ze)任和義務、存(cun)續期管(guan)理、利益沖(chong)突防范機制、信(xin)息披(pi)露義務以(yi)及退出(chu)機制。信(xin)托(tuo)公司不(bu)得因委(wei)托(tuo)其他(ta)機構(gou)(gou)投資而(er)免(mian)除自身應(ying)(ying)當(dang)承擔的責(ze)任。
信托(tuo)公司(si)不得違(wei)反法(fa)律、行政(zheng)法(fa)規、部門規章及其他規范性文件的規定(ding)(ding)接受委(wei)托(tuo)方直接或(huo)間接提供的擔保，不得與委(wei)托(tuo)人(ren)簽訂(ding)抽(chou)屜協議，不得為(wei)委(wei)托(tuo)人(ren)規避監(jian)管規定(ding)(ding)或(huo)第(di)三(san)方機構違(wei)法(fa)違(wei)規提供通道(dao)服務(wu)。
答：根(gen)據(ju)《關于規范金融機構資(zi)產(chan)管理業務(wu)的指(zhi)導意(yi)見》的要(yao)求，資(zi)產(chan)管理產(chan)品(pin)按照投(tou)資(zi)性(xing)質的不同，分為固定收益(yi)類產(chan)品(pin)、權(quan)益(yi)類產(chan)品(pin)、商(shang)品(pin)及金融衍生品(pin)類產(chan)品(pin)和混合類產(chan)品(pin)。固定收益(yi)類產(chan)品(pin)投(tou)資(zi)于存(cun)款(kuan)、債券等債權(quan)類資(zi)產(chan)的比(bi)例(li)不低(di)于80%，權益類產品投資于股票、未上市企業股權等權益類資產的比例不低于80%，商品及金融衍生品類產品投資于商品及金融衍生品的比例不低于80%，混合類產品投資于債權類資產、權益類資產、商品及金融衍生品類資產且任一資產的投資比例未達到前三類產品標準。資金信托產品根據投資標的進行分類，同樣遵從上述產品分類規則。
答：告(gao)知說明義(yi)務(wu)的履行是(shi)金(jin)融(rong)消(xiao)費(fei)者(zhe)能夠真正了解各類高風(feng)險(xian)等級金(jin)融(rong)產品或者(zhe)高風(feng)險(xian)等級投(tou)資活動的投(tou)資風(feng)險(xian)和收益的關鍵，人民法院會根據產品、投(tou)資活動的風(feng)險(xian)和金(jin)融(rong)消(xiao)費(fei)者(zhe)的實際(ji)情況(kuang)，綜合理(li)性人能夠理(li)解的客(ke)觀標(biao)準和金(jin)融(rong)消(xiao)費(fei)者(zhe)能夠理(li)解的主(zhu)觀標(biao)準來確定(ding)賣方(fang)機(ji)(ji)構是(shi)否已經履行了告(gao)知說明義(yi)務(wu)。賣方(fang)機(ji)(ji)構簡單地以金(jin)融(rong)消(xiao)費(fei)者(zhe)手寫了諸如“本人明確知悉可能存在本金損失風險”等內容主張其已經履行了告知說明義務，不能提供其他相關證據的，人民法院對其抗辯理由不予支持。
答：有的(de)(de)(de)。根據(ju)《關(guan)于(yu)印發銀行(xing)業金(jin)(jin)融(rong)機構(gou)銷售(shou)專區(qu)錄音錄像管(guan)理暫(zan)行(xing)規定的(de)(de)(de)通知》第七條(tiao)規定，銀行(xing)業金(jin)(jin)融(rong)機構(gou)應建立統(tong)一的(de)(de)(de)產(chan)(chan)(chan)(chan)品(pin)(pin)信(xin)(xin)息(xi)查(cha)(cha)詢平臺(tai)，并(bing)由專門部(bu)門負責(ze)平臺(tai)的(de)(de)(de)信(xin)(xin)息(xi)錄入(ru)及管(guan)理工作。產(chan)(chan)(chan)(chan)品(pin)(pin)信(xin)(xin)息(xi)查(cha)(cha)詢平臺(tai)應收(shou)錄全部(bu)在售(shou)及存續(xu)期內金(jin)(jin)融(rong)產(chan)(chan)(chan)(chan)品(pin)(pin)的(de)(de)(de)基本信(xin)(xin)息(xi)，凡(fan)未(wei)在平臺(tai)上(shang)收(shou)錄的(de)(de)(de)產(chan)(chan)(chan)(chan)品(pin)(pin)，一律不得(de)銷售(shou)。產(chan)(chan)(chan)(chan)品(pin)(pin)信(xin)(xin)息(xi)查(cha)(cha)詢平臺(tai)應建立產(chan)(chan)(chan)(chan)品(pin)(pin)分類目錄，嚴(yan)格(ge)區(qu)分自有與代銷、公募與私募等(deng)不同(tong)產(chan)(chan)(chan)(chan)品(pin)(pin)類型，充分披露產(chan)(chan)(chan)(chan)品(pin)(pin)信(xin)(xin)息(xi)，產(chan)(chan)(chan)(chan)品(pin)(pin)信(xin)(xin)息(xi)涵蓋產(chan)(chan)(chan)(chan)品(pin)(pin)類型、發行(xing)機構(gou)、風險等(deng)級、合(he)格(ge)投資者范圍、收(shou)費標準、收(shou)費方式等(deng)內容。
答(da)：可以，商業(ye)銀(yin)行可以代(dai)(dai)(dai)銷(xiao)信托(tuo)產(chan)品。商業(ye)銀(yin)行總(zong)(zong)行對代(dai)(dai)(dai)銷(xiao)業(ye)務(wu)(wu)實行集(ji)中(zhong)統一管(guan)理(li)(li)(li)，并(bing)根據國(guo)務(wu)(wu)院金融監督管(guan)理(li)(li)(li)機(ji)構(gou)(gou)或者(zhe)其授權機(ji)構(gou)(gou)規定(ding)，建立健全代(dai)(dai)(dai)銷(xiao)業(ye)務(wu)(wu)管(guan)理(li)(li)(li)制度，包括合作機(ji)構(gou)(gou)管(guan)理(li)(li)(li)、代(dai)(dai)(dai)銷(xiao)產(chan)品準入管(guan)理(li)(li)(li)、銷(xiao)售管(guan)理(li)(li)(li)、投(tou)訴和應急處理(li)(li)(li)、信息(xi)披(pi)露與保密管(guan)理(li)(li)(li)等(deng)內容。商業(ye)銀(yin)行開展代(dai)(dai)(dai)銷(xiao)業(ye)務(wu)(wu)，原則(ze)上(shang)由其總(zong)(zong)行與合作機(ji)構(gou)(gou)總(zong)(zong)部簽訂代(dai)(dai)(dai)銷(xiao)協議。
答：銀行(xing)理財(cai)(cai)(cai)子公司是指商業(ye)(ye)銀行(xing)經國務(wu)院銀行(xing)業(ye)(ye)監督管(guan)理機(ji)(ji)構(gou)批準，在中華人民共和國境內(nei)設立的(de)(de)主(zhu)要從事理財(cai)(cai)(cai)業(ye)(ye)務(wu)的(de)(de)非銀行(xing)金融(rong)機(ji)(ji)構(gou)。而理財(cai)(cai)(cai)業(ye)(ye)務(wu)是指銀行(xing)理財(cai)(cai)(cai)子公司接(jie)受(shou)投(tou)資(zi)者(zhe)委托，按照與投(tou)資(zi)者(zhe)事先約定(ding)的(de)(de)投(tou)資(zi)策略、風險(xian)承擔和收益分配方式，對受(shou)托的(de)(de)投(tou)資(zi)者(zhe)財(cai)(cai)(cai)產進行(xing)投(tou)資(zi)和管(guan)理的(de)(de)金融(rong)服務(wu)。
答：保(bao)險(xian)資(zi)產(chan)(chan)管理公司是指經中國保(bao)監會會同(tong)有關部門批(pi)準，依法登記(ji)注(zhu)冊(ce)、受托(tuo)管理保(bao)險(xian)等資(zi)金(jin)的金(jin)融(rong)機構。保(bao)險(xian)資(zi)產(chan)(chan)管理公司主要受托(tuo)管理保(bao)險(xian)資(zi)金(jin)，保(bao)險(xian)資(zi)金(jin)包括保(bao)險(xian)公司的各項(xiang)保(bao)險(xian)準備金(jin)、資(zi)本金(jin)、營運資(zi)金(jin)、公積金(jin)、未分配利潤和其他負債，以及(ji)由上述資(zi)金(jin)形(xing)成的各種資(zi)產(chan)(chan)。
轉自(zi)信(xin)托業協會官方微信(xin)公眾號
