Bank Financial Products Promote Asset Management

< p > data show that in 2012, the number of China's personal financial products issued by banks amounted to 28 thousand balance, which was 25.84% higher than that in 2011, with a scale of 24 trillion and 710 billion yuan, an increase of 45.44% over 2011, and the number of issuance and scale of issuance reached a record high.

By the end of 6 this year, the balance of bank financial products has been broken by 9 trillion.

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< p > recently, Wang Yanxiu, director of the business innovation supervision and Cooperation Department of the China Banking Regulatory Commission (CBRC), revealed that financial management is one of the future directions of innovation. It is necessary to encourage banks to launch their own "a href=" //www.sjfzxm.com/news/index_z.asp "asset management /a" plan to enhance the risk control of channel businesses.

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< p > regulatory authorities frequently refer to information management plan < /p >

In June this year, the Lujiazui Forum (official website), Shang Fulin href= "//www.sjfzxm.com/news/index_cj.asp", "CBRC" /a "chairman of the board of directors, Mr. Shang Fulin, first proposed to standardize the financial management business as a direct financing business of a, and explore new products and models." P "

This has also been explained by insiders that financial products will be explored directly, and the information management plan is the new product and mode under the new direction.

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< p > September 26th, Shang Fulin once again said that the nature of bank financing business is the direct financing business of creditor's rights which is entrusted by investors.

It is possible to establish a franchise mechanism and strictly manage capital collection, placement and risk in accordance with the corresponding standards, mainly to earn management fees, strictly prohibit profit sharing, strictly prohibit risk exposure, and strictly prohibit "de going to reality".

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< p > the so-called "information management plan". Each project must have its own account, independent balance sheet and profit and loss account. Investors will have to enjoy the high interest rate while undertaking the risk of bankruptcy.

However, regardless of the new information management plan or other innovative tools, we must pay attention to four points: in line with China's financial characteristics; strictly control the bottom line of risk; protect the interests of financial consumers and improve the effectiveness and profitability of < a href= "//www.sjfzxm.com/news/index_h.asp > /a".

Shang Fulin said.

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< p > "this innovation direction is worthy of affirmation. It can realize the real and pparent investment of financial capital, return to the true definition of financial business, and all of these are project loan financing, and the banks earn the difference from them, and they will only charge management fees in the future."

A Nanjing banking regulatory authority said.

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< p > "information management" to reduce intermediate links < /p >

< p > reporter has learned that before the bank financing funds in docking loans, investors generally only get 4%-5%'s annualized yield, while the lending rate is at least 7%-8%, some even up to 10%.

Therefore, under the characteristics of low yield and low risk products, rigid payment is often taken for granted.

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< p > the "self financing asset management plan of bank financing" can be understood as one of the innovation directions under the new direct financing operation of creditor's rights.

The above analysis can reduce the intermediate links and raise the efficiency of corporate financing, because the financial management plan is essentially similar to the agreed term and yield, and the commercial paper issued by banks can also reduce the cost of financing.

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