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

In recent years, the size of the public fund market has continued to expand, with increasingly diverse product types. 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,” with the core theme of “Safeguarding Financial Security and Boosting Consumer Confidence,” the public fund industry focuses on protecting 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 taken to respond to investors practically.

While the industry scale is rapidly expanding, the public fund sector is also entering a stage of high-quality development. However, issues such as scale-driven growth, 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.

Looking back at 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 creating a safe, healthy, and rational investment environment.

Regarding investor alerts, a three-dimensional education and publicity system combining online and offline channels 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 SMS messages, using simple language to popularize fund investment knowledge.

In terms of rights protection services, the complaint management mechanism has been improved, with the establishment of special discussion meetings and working groups for key client complaints. Diversified resolution methods are used to handle complex cases properly. Additionally, a new online complaint management system for consumer protection has been launched, enabling the entire process to be managed online, which has 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 be deepened 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 clarifying responsibilities along sales channels, establishing a comprehensive suitability management mechanism throughout the product lifecycle, and reducing disputes from the source.

At the same time, continuously improve the full-process management system of “pre-approval, in-process control, and post-supervision,” effectively implementing the “customer-centric” philosophy.

Editor: Xu Nannan, Xu Nan

Risk Reminder: Funds are subject to risks; investments 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)