ICBC salary currency - ICBC Credit Suisse Fund Management Co., Ltd

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Fund name	ICBC Credit Suisse Salary Money Market Fund
Fund abbreviation	ICBC salary currency
Fund code	Class A: 000528 Class B: 000716 Class C: 018367 Class D: 021447
Subscription starting point	0.01 yuan A Class: B Class: C Class: D Class:
date of establishment	January 27, 2014
Fund type	Money Market Fund
Operation mode	Contractual and open
Fund manager	ICBC Credit Suisse Fund Management Co., Ltd
Fund Custodian	Bank of Communications Co., Ltd
fund manager	Mr. Wang Shuo, Mr. Hao Rui
Risk assessment	According to the Fund Risk Rating System of ICBC Credit Suisse Fund Management Co., Ltd., the risk rating of the Fund is low risk (R1).
Investment objectives	On the basis of controlling risks and maintaining asset liquidity, strive to achieve investment returns that exceed the performance benchmark.
Investment philosophy	The Fund Manager follows a rigorous and scientific investment process, subdivides research fields through professional division of labor, bases on long-term basic factor analysis, forms investment strategies, optimizes portfolio, and obtains sustainable and stable investment returns.
scope of investment	The Fund mainly invests in instruments with good liquidity, including cash; Bank deposits, bond repurchases, central bank bills, inter-bank deposit receipts with a term of less than one year (including one year); Bonds, non-financial enterprise debt financing instruments, asset-backed securities and other money market instruments with good liquidity recognized by the CSRC and the People's Bank of China with a residual maturity of 397 days or less.
Performance Benchmark	The after tax interest rate of seven day notice deposits announced by the People's Bank of China.
Risk return characteristics	The Fund is a money market fund. In general, its risk and expected return are lower than those of general bond funds, hybrid funds and equity funds.
Dividend distribution policy	1. Each fund unit within the same category of the Fund shall enjoy the same distribution right; 2. The income distribution method of the Fund is dividend reinvestment, free of reinvestment fees; 3. "Daily distribution, daily payment". The Fund calculates and distributes daily returns for investors on the basis of the daily returns of the Fund and the realized returns of every 10000 funds. Generally, the Fund carries forward returns on a monthly basis. In addition, after mutual agreement between the Fund Manager and the sales agency, the Fund's returns can be paid by carrying forward returns on a daily basis, regardless of the way of carrying forward, The income of the current day will participate in the income distribution of the next day, which will not affect the investment income actually obtained by fund share holders. The calculation of the investor's income distribution on the current day shall be reserved to 2 decimal places, and the third decimal place shall be dealt with according to the truncation principle. The balance formed due to the truncation shall be redistributed until it is completely distributed; 4. The Fund will distribute all the income of the current day according to the daily income. If the realized income of the current day is greater than zero, the investor will record the positive income; If the realized income on that day is less than zero, negative income shall be recorded for the investor; If the realized income on that day is equal to zero, the investors on that day will not record the income; 5. When the Fund calculates and distributes the income every day, the way of income payment is only dividend reinvestment (i.e. dividend transferred to fund units), and investors can obtain cash income by redeeming fund units; If the cumulative realized income of the investor is positive when the income is carried forward, the corresponding fund shares will be increased for the investor; If the cumulative realized income is negative, the investor's fund share will be reduced; 6. The fund units subscribed on that day shall enjoy the income distribution rights and interests of the fund from the next working day; The fund units redeemed on that day shall not enjoy the income distribution rights and interests of the fund from the next working day; 7. If laws and regulations or regulatory authorities have other provisions, their provisions shall prevail; 8. On the premise of not violating laws and regulations and having no material adverse impact on the interests of fund share holders, the Fund Manager may adjust the distribution principle and payment method of fund income without convening a general meeting of fund share holders for deliberation.
Summary of Fund Product Information	Click to view the details of ICBC Salary Currency A Fund Product Profile Click to view the details of ICBC Salary Currency Fund B Product Profile Click to view the details of ICBC Salary Currency Fund C Product Profile Click to view the details of ICBC Salary Currency D Fund Product Profile

The reporting period is from January 1, 2024 to March 31, 2024

u Fund asset portfolio at the end of the reporting period

S/N	project	Amount (yuan)	Proportion in total fund assets (%)
one	Fixed income investment	13,941,337,856.51	fifty-one point five six
	Including: bonds	13,824,819,515.30	fifty-one point one three
	Asset backed securities	116,518,341.21	zero point four three
two	Redemptory financial assets for sale	2,401,126,558.72	eight point eight eight
	Including: redemptory financial assets for sale purchased through outright repo	-	-
three	Total bank deposits and settlement provisions	10,637,788,921.21	thirty-nine point three five
four	other assets	56,605,516.78	zero point two one
five	total	27,036,858,853.22	one hundred

Note: Due to rounding, there may be a tail difference between the sum of the sub items of the proportion of the amount in the total assets of the fund and the total.

u Financing of bond repurchase during the reporting period

S/N	project	Proportion in the net asset value of the fund (%)
one	Balance of bond repurchase financing during the reporting period	fifteen point five one
	Including: buyout repo financing	-
S/N	project	Amount (yuan)	Proportion in the net asset value of the fund (%)
two	Balance of bond repurchase financing at the end of the reporting period	4,191,740,791.27	eighteen point four three
	Including: buyout repo financing	-	-

Note: The proportion of the balance of bond repurchase financing in the net asset value of the fund during the reporting period is the simple average of the proportion of the balance of financing in the net asset value of each trading day during the reporting period.

u Basic information of average remaining period of the portfolio

project	Days
Average remaining period of the portfolio at the end of the reporting period	eighty-nine
Highest average residual maturity of the portfolio during the reporting period	one hundred and nineteen
Minimum average residual maturity of the portfolio during the reporting period	eighty-nine

u Average residual maturity distribution ratio of the portfolio at the end of the reporting period

S/N	Average residual maturity	Proportion of assets of each term in the net asset value of the fund (%)	Proportion of liabilities of each term in the net asset value of the fund (%)
one	Within 30 days	twelve point three two	eighteen point four two
	Including: floating rate bonds with residual duration exceeding 397 days	-	-
two	30 days (inclusive) - 60 days	thirty point two three	-
	Including: floating rate bonds with residual duration exceeding 397 days	-	-
three	60 days (inclusive) - 90 days	forty-nine point seven nine	-
	Including: floating rate bonds with residual duration exceeding 397 days	-	-
four	90 days (inclusive) - 120 days	five point four one	-
	Including: floating rate bonds with residual duration exceeding 397 days	-	-
five	120 days (inclusive) - 397 days (inclusive)	twenty point four six	-
	Including: floating rate bonds with residual duration exceeding 397 days	-	-
total		one hundred and eighteen point two two	eighteen point four two

u Bond portfolio classified by bond varieties at the end of the reporting period

S/N	Bonds	Amortized cost (yuan)	Proportion in net fund assets (%)
one	State bonds	-	-
two	Central Bank Bill	-	-
three	Financial bonds	1,690,260,263.35	seven point four three
	Including: policy financial bonds	1,243,676,910.22	five point four seven
four	bonds issued by an enterprise	123,039,657.45	zero point five four
five	Enterprise short-term financing bonds	713,747,853.59	three point one four
six	Medium term notes	459,185,254.96	two point zero two
seven	Inter bank deposit receipt	10,838,586,485.95	forty-seven point six five
eight	other	-	-
nine	total	13,824,819,515.30	sixty point seven eight
ten	Floating rate bonds with a remaining maturity of more than 397 days	-	-

Note: There may be a tail difference between the sum of the sub items of the proportion of the amortized cost in the net asset value of the fund and the total due to rounding.

u Details of the top ten bond investments ranked by the proportion of amortized cost in the net asset value of the fund at the end of the reporting period

S/N	Bond code	Bond name	Number of bonds (piece)	Amortized cost (yuan)	Proportion in net fund assets (%)
one	one hundred and twelve million four hundred and fifteen thousand one hundred and twenty-two	24 Minsheng Bank CD122	8,000,000	796,212,103.07	three point five zero
two	one hundred and twelve million four hundred and ten thousand and seventy-seven	24 Industrial Bank CD077	8,000,000	796,018,799.17	three point five zero
three	092218003	22 Nongfa Qingfa 03	3,700,000	377,185,074.46	one point six six
four	one hundred and twelve million three hundred and eighty-four thousand nine hundred and ninety	23 BANK OF QINGDAO CD052	3,000,000	299,142,455.17	one point three two
five	one hundred and twelve million three hundred and eleven thousand and seventy	23 Ping An Bank CD070	3,000,000	299,011,371.06	one point three one
six	one hundred and twelve million three hundred and fifteen thousand four hundred and sixty-two	23 Minsheng Bank CD462	3,000,000	298,967,410.06	one point three one
seven	one hundred and twelve million three hundred and twelve thousand and eighty-nine	23 Bank of Beijing CD089	3,000,000	298,609,287.83	one point three one
eight	two hundred and ten thousand four hundred and six	21Nongfa06	2,900,000	296,256,091.38	one point three zero
nine	one hundred and twelve million three hundred and ten thousand two hundred and forty-seven	23 Industrial Bank CD247	2,500,000	249,359,375.70	one point one zero
ten	one hundred and twelve million four hundred and twenty thousand and ninety-two	24 Guangfa CD092	2,500,000	248,756,027.14	one point zero nine

u Deviation from the net asset value of the fund determined by "shadow pricing" and "amortized cost method"

project	Deviation
The number of times that the absolute value of deviation degree within the report period is 0.25 (inclusive) - 0.5%	zero
The highest deviation degree in the reporting period	zero point zero four zero six %
The lowest deviation in the reporting period	zero point zero zero four two %
Simple average of the absolute value of deviation degree of each working day in the reporting period	zero point zero two zero four %

Note: In the above table "Deviation" is calculated according to the data of each trading day in the reporting period.

u Details of the top ten asset-backed securities investments ranked by the proportion of amortized costs in the net asset value of the fund at the end of the reporting period

S/N	Securities code	Name of securities	Quantity (copies)	Amortized cost (yuan)	Proportion in net fund assets (%)
one	one hundred and eighty-nine thousand three hundred and twenty-nine	21 Gongxin 5A	400,000	41,126,095.68	zero point one eight
two	two hundred and sixty-one thousand five hundred and twenty	CRCC 066A	350,000	35,218,188.54	zero point one five
three	two hundred and sixty-one thousand seven hundred and eighty-seven	Xihe 06 You	150,000	15,049,176.99	zero point zero seven
four	one hundred and forty-three thousand nine hundred and two	Zhaoying No.2 Phase 3 Excellent	100,000	10,063,189.04	zero point zero four
five	one hundred and ninety-nine thousand seven hundred and ninety-eight	CRCC 052A	100,000	10,018,277.26	zero point zero four
six	one hundred and ninety-nine thousand eight hundred and eleven	Mingyuan 06A2	50,000	5,043,413.70	zero point zero two

u Composition of other assets

S/N	name	Amount (yuan)
one	Deposit	12,648.70
two	Receivables from securities settlement	-
three	Interest receivable	-
four	Subscription receivable	56,592,868.08
five	Other receivables	-
six	other	-
seven	total	56,605,516.78

Fund name	ICBC salary A class	ICBC salary B class	ICBC salary C class	ICBC salary D class
Subscription fee	zero	zero	zero	zero
Subscription fee	zero	zero	zero	zero
Redemption fee	zero	zero	zero	zero
Sales service fee	0.25%	zero	0.20%	0.01%
management expense	0.15%
Custody fee	0.05%


Q: Where can ICBC purchase salary currency ？

	Answer: ICBC salary monetary fund is sold by ICBC. Additional sales agencies will be announced 。

Q: What are the differences between ICBC salary currency and bank financial products ？

	Answer: （ one ）Starting point: the minimum subscription amount of ICBC salary currency in a single transaction is one hundred Yuan, the minimum amount of additional subscription is one RMB, the minimum subscription amount of bank financial products is generally five 10000 yuan, and the additional subscription amount is one thousand Yuan. （ two ）In terms of subscription and redemption requirements: ICBC's salary currency is an open-ended fund, and there is no limit on holding period. Investors can apply for subscription or redemption within the specific business handling time on the open day; General bank financial products have a certain closing period, usually in thirty More than days, no additional investment can be made within the product period, and the product will end when it expires. If investors continue to invest, they need to purchase new financial products. （ three ）Liquidity: ICBC salary currency investors can realize T+1 Daily redemption and collection items are received; General bank financial products have a certain period of time, within which funds cannot be withdrawn 。

Q: What is the range of ICBC salary currency investment ？

	Answer: The Fund mainly invests in instruments with good liquidity, including cash; Bank deposits, bond repurchases, central bank bills, inter-bank deposit receipts with a term of less than one year (including one year); Bonds, non-financial enterprise debt financing instruments, asset-backed securities and other money market instruments with good liquidity recognized by the CSRC and the People's Bank of China with a residual maturity of 397 days or less. The Fund Manager may include other types of investment permitted by laws and regulations or regulatory authorities in the future into the investment scope after performing appropriate procedures, and its investment proportion shall comply with the then effective laws and regulations or relevant provisions.

Q: What are the regulations of ICBC on salary currency subscription ？

	Answer: The investor subscribes through the sales agency, and the minimum subscription amount for a single fund account is one hundred RMB, the minimum amount of each additional subscription is one Yuan.

Q: Subscription of ICBC salary currency / Redemption confirmation time ？

	Answer: The investor must apply for subscription or redemption within the specific business handling time on the opening day according to the procedures specified by the sales agency. The Fund Manager shall take the day when valid subscription and redemption applications are accepted before the end of trading hours as the application date for subscription or redemption (T day ) Under normal circumstances, the Fund's registration authority T+1 The validity of the transaction shall be confirmed within days. T The investor can submit the valid application on T+2 Later ( Include this date ) Check the confirmation of the application at the counter of the sales outlet or in other ways specified by the sales agency. If the subscription is unsuccessful, the subscription amount shall be returned to the investor. The acceptance of the application for subscription and redemption by the sales agency does not mean that the application is necessarily successful, but only that the sales agency has actually received the application. The confirmation of subscription and redemption shall be subject to the confirmation result of the registration authority. Investors should timely inquire about the confirmation of the application 。

Q: Time of redemption of ICBC salary currency ？

	Answer: According to the provisions of the general fund contract, the investor must apply for subscription or redemption within the specific business handling time on the opening day according to the procedures specified by the sales agency. In the absence of major redemption, investors T After the daily redemption application is successful, the Fund Manager will T ＋ seven day ( Include this date ) Redemption funds shall be paid within. ICBC salary monetary fund can currently support redemption in T+1 Redemption payment shall be paid every day. In case of major redemption, the payment method shall be handled in accordance with the relevant provisions of the Fund Contract 。

Q: What are the salary monetary expenses of ICBC and what is the rate ？

	Answer: ICBC salary monetary subscription fee, subscription fee and redemption fee are all zero, and the management fee is based on the net asset value of the fund on the previous day 0.15% The annual fee rate is withdrawn, and the custody fee is based on the net asset value of the fund on the previous day 0.05% The annual fee rate of Class A is 0.25%、 B The annual sales service rate is 0%、 C The annual sales service rate is 0.20%、D The annual sales service rate is 0.01%。

Q: What are the risks of ICBC salary monetary fund ？

	Answer: The Fund is a money market fund, with expected returns and risks lower than those of bond funds, hybrid funds and equity funds 。

Q: How to distribute the income of this product ？

	Answer: 1. Each fund unit within the same category of the Fund shall enjoy the same distribution right; 2. The income distribution method of the Fund is dividend reinvestment, free of reinvestment fees; 3. "Daily distribution, daily payment". The Fund calculates and distributes daily returns for investors on the basis of the daily returns of the Fund and the realized returns of every 10000 funds. Generally, the Fund carries forward returns on a monthly basis. In addition, after mutual agreement between the Fund Manager and the sales agency, the Fund's returns can be paid by carrying forward returns on a daily basis, regardless of the way of carrying forward, The income of the current day will participate in the income distribution of the next day, which will not affect the investment income actually obtained by fund share holders. The calculation of the investor's income distribution on the current day shall be reserved to 2 decimal places, and the third decimal place shall be dealt with according to the truncation principle. The balance formed due to the truncation shall be redistributed until it is completely distributed; 4. The Fund will distribute all the income of the current day according to the daily income. If the realized income of the current day is greater than zero, the investor will record the positive income; If the realized income on that day is less than zero, negative income shall be recorded for the investor; If the realized income on that day is equal to zero, the investors on that day will not record the income; 5. When the Fund calculates and distributes the income every day, the way of income payment is only dividend reinvestment (i.e. dividend transferred to fund units), and investors can obtain cash income by redeeming fund units; If the cumulative realized income of the investor is positive when the income is carried forward, the corresponding fund shares will be increased for the investor; If the cumulative realized income is negative, the investor's fund share will be reduced; 6. The fund units subscribed on that day shall enjoy the income distribution rights and interests of the fund from the next working day; The fund units redeemed on that day shall not enjoy the income distribution rights and interests of the fund from the next working day; 7. If laws and regulations or regulatory authorities have other provisions, their provisions shall prevail; 8. On the premise of not violating laws and regulations and having no material adverse impact on the interests of fund share holders, the Fund Manager may adjust the distribution principle and payment method of fund income without convening a general meeting of fund share holders for deliberation.

Q: Is this product breakeven ？

	Answer: The Fund is a money market fund, and does not promise to guarantee capital or earnings 。

Q: Is it sure that the benchmark of product performance "the after tax interest rate of seven day notice deposit published by the People's Bank of China" can be achieved ？

	Answer: The performance benchmark is not equal to the expected return, and the actual investment performance of the product may be higher or lower than the performance benchmark. The performance benchmark of the product is determined according to the product investment scope and investment characteristics, and is used to measure the investment level of the investment manager. The performance of the product is affected by the investment manager's investment ability, market environment and other factors 。

Q: When is the fund contract of ICBC salary monetary fund established?

	Answer: After the raising of ICBC salary monetary fund ten A legal capital verification institution shall be employed to verify the capital within days, and the capital verification report shall be received ten Within days, go through the fund filing procedures with the CSRC. If the fund raising meets the requirements for fund filing, the Fund Contract shall come into force as of the date when the fund manager completes the fund filing procedures and obtains the written confirmation from the CSRC. The specific establishment time of the fund contract shall be subject to the announcement. (according to two thousand and fourteen year one month twenty-eight Announcement on the Effectiveness of the Fund Contract of ICBC Credit Suisse Payroll Money Market Fund two thousand and fourteen year one month twenty-seven Day).

Q: After the establishment of the ICBC salary monetary fund contract, when will the first purchase and redemption be handled?

	Answer: The Fund Manager shall not exceed three The subscription and redemption will be handled within six months, and the specific business handling time will be specified in the announcement of the beginning of subscription and redemption. (according to two thousand and fourteen year two month twelve Announcement on Opening Daily Subscription and Redemption Business of ICBC Credit Suisse Payroll Money Market Fund two thousand and fourteen year two month seventeen Day).