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化商业银行对合作机构和产品准入的管理责任,明确合作机构准入审查和产品尽职调查要求;规范商业银行代理销售行为,对销售渠道、销售人员管理、产品展示、适当性管理、风险提示等作出具体规定;强化商业银行在代销产品存续期应尽的义务,进一步压实了银行作为代销机构应尽的责任。  然而,银行渠道作为基金代销的绝对主力,在近年来也遭遇了其他渠道的强势挑战。据统计,今年上半年的“权益基金保有规模”方面,商业银行、独立基

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