129771807875249810_118Zhang Kun-Shenzhen commercial newspaper reporters recently, Xu Hao, head of private banking operations in the Bank of communications head office the original published open mail, said domestic private banks to customers as ' VIP financial management ', VIP banking customer bought $ 100,000, private banking clients in respect of the same product purchase of $ 1 million, to achieve the "predatory." Following the spread of the network communicationHas attracted extensive attention.
Xu Hao this is re "private bank" great leap forward for expansion. Private banks can't be "vase" and "private banking a bank if you really want to be successful, and considered her personal financial services a top priority, must be established by the highest decision makers at the head office level private bank's independent status, instead of the retail personal goldThaw "vase", and to match the development objectives of personnel, financial, and material resources.
"Reporter Xu Hao received this e-mail message to media in an open letter, he worried about current situation of domestic private banks. Xu Hao believed that that bank customers as private "VIP banking", VIP banking customer bought 100,000, private banking clients in respect of the same product to buy 1 millionPredatory development, only "the goose" customer is getting less. According to the latest public display, Bank of communications, three quarterly private banking customers at the end of last year, Ward's early customer volume growth of 26. 55%, 24. 17%. Buoyant private banking business of the banks, by the end of 2011, the number of banks offering private banking grew to11. But at the same time, to scale indicator of financial products has also become a major banks measure the speed of the development of private banking "hard". A commercial bank released data showing its 2010 financial product sales totaled about 1. 6 trillion yuan, 2011 first quarter of the year and more than 1. 7 trillion yuan. Xu Hao believes that this hoodwinked on the mostHigh policy makers
diablo 3 gold, executives over blind optimism on the market; under the hard pressure indicators, leading to complaints from customer complaints continue; sacrificed Bank private banking brand, "chopped off" customers, false sales. "The new measures for the enactment of the financial product sales management has provided an update to the sales personnel as not a single product sales performance index", Xu HaoDew.
High yields are high risks journalists in an interview found on the back, another awkward truth is that private banks in China for less than 5 years in this industry, not yet established-specific regulatory policies, most of the existing general regulatory policies in general commercial banking and corporate banking. This reporter learned that, existing principal private banking supervision in complianceThrough since the beginning of 2005
tera gold, the CBRC issued the interim measures for the management of personal financial business of commercial banks and the guidelines and a series of personal financial business of commercial bank risk management regulations and systems, in the area of private banking investment products popular in recent years, unusual collections of works of art hot, equity investment, trust and wealth management products before the flood situation, which is insufficient.At a press obtained a copy of a bank in the latest list of private banking products, most of the financial products "via" trust and in some cases, equity investment and other relation, and accounts receivable claim year yields as high as 8%~12% above
diablo 3 power leveling, many products categorized by subscription of capital, such as a product purchase amount is 3 million following promise of return 12%, and buy $ 300Above promised more than 13%. "This is obviously ' touch ball ' can also be said that to some extent breaches.
"Insiders, who asked not to be named, said some high expectations yield products possible and some of the risks linked to the larger loan, in the ring of private banks, such risks are often overlooked. However, on January 1 this yearStarted formal implementation of measures for the management of the commercial bank's financial products sales private bank sells financial products has a number of specific requirements. For example, the approach provides that commercial banks to private banking clients and high net worth customers with financial products sales services should clients risk tolerance assessments in accordance with the provisions of this approach may not be sold without market analysis and forecasting, risk-free tubeControl plans, calculation of the risk-free rate, not an independent wealth management products.
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