Regulators Are Studying The Ice Breaking Strategy Of Bank Financing.

< p > recently, a person close to the regulatory authorities revealed to reporters that for the first purchase of "a href=" http://www.91se91.com/news/index_c.asp "bank" /a "financial products, the need for face signing was being studied. Regulators are studying that the face restriction of special financial products may be released, and the process is proceeding.

This means that the sale of financial products through Internet channels is expected to break the ice.

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< p > "along with the emergence of all kinds of T+0 Internet financial products, the first purchase of traditional bank financial products must be signed at the bank counters, which has limited the expansion of the banking financial services to a certain extent. If the regulators seek advice, the banks will agree with each other."

A bank financial management department admitted to reporters.

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< p > "buying financial products requires face signing, mainly considering the risk management of financial services sales. Financial business is always at risk. After confirmation of the signature after face to face assessment, the bank will not assume corresponding responsibilities after full disclosure, but if not fully informed, it will increase the risk of customer complaints."

Those close to the regulators said.

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< p > it is understood that part of the bank counter risk assessment has gone through the motions. Recently, when buying a financial product in a stock company, the reporter found that the risk assessment time of the financial account manager was very short, and it was completed in a few minutes.

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< p > < strong > year or first release of low risk products < /strong > < /p >

< p > "bank financial products are very complex and have many categories. They may be released for some products or a certain category of products first, depending on the risk rating of relevant management departments. If there is a good control, there will be systemic risk.

It is expected to first liberalize financial products with stable returns and low risks. This year there should be hope.

Those close to regulators said.

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< p > it is understood that the CBRC stressed in the "management measures for the sale of financial products in commercial banks": "commercial banks should assess the risk tolerance of their clients before they purchase their financial products for the first time.

Risk tolerance assessment should at least include customer age, financial status, investment experience, investment purpose, revenue expectation, risk preference, liquidity requirement, risk perception and risk bearing degree.

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< p > bankers generally believe that the financial products of banks are somewhat inferior after the advent of Internet a href= "http://www.91se91.com/news/index_cj.asp" > financial affairs > /a > products.

In addition to asking for a minimum purchase threshold of 50 thousand yuan, another reason is that the "face signature" requirement of bank financial products is insurmountable.

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In order to facilitate customers and enhance competitiveness, banks will hang some information on bank financial products on their website, and customers can also buy them through online banking. However, financial products will be tagged next to each other: online banking products are limited to customers who have carried out risk assessments in the last year's counters in the last year. P

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Less than P, some banks also launched exclusive e-banking products.

Yesterday (March 17th), the reporter called a large customer service staff, the customer service said that even if the Bank launched the exclusive banking products, the first purchase also need to be signed at the counter before buying.

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< p > < strong > part of the bank risk assessment "go through the motions" < /strong > /p >

< p > in accordance with the relevant regulatory requirements, banks should strictly implement the counter signature for customers who purchase their financial products in strict accordance with the requirements.

However, the financial management department told reporters that the assessment of clients at the counter is basically a matter of careless efforts, mainly in order not to violate regulatory requirements.

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< p > reporters recently experienced a counter evaluation in a certain stock company. The staff of the bank provided several risk assessment forms to reporters. When the reporter completed the completed work, the staff found that the form was an old version which was too old, so the reporter was asked to complete the new version, and the time was very short.

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< p > Lu Yujia, a financial researcher of state Yuan Securities, told reporters that the first purchase of a bank's financial product needs to be signed at the counter. The main purpose is to ensure the safety, confirm that the individual is a financial account opened by the bank, and provide an ID card, take photos on the spot, etc. it is difficult to guarantee the security of similar counters on the Internet.

Although some network risk assessment is careless, accounts security is still very secure.

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< p > however, in the view of bankers, clients may not read the risk assessment carefully at the counter.

Internet finance is a trend, and face signature does not mean that the use of online banking is safe.

For banks, the first time customers buy financial products need to go to the counter to sign products, which are not equal to the purchase fund and other products. The purchase of fund products can be completed directly online.

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< p > < strong > can increase the competitiveness of financial products of banks < /strong > < /p >

< p > Lu Yujia said, if the liberalization of financial products face signature system, the impact will not be too great.

It's not very troublesome to buy a financial product for the first time, but it is more troublesome to open a bank account. If you can open an account online, it will be more convenient.

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"P >" but it is undeniable that with the emergence of Internet financial products, there is an entry threshold for bank financial products. If we open the first purchase of financial counters, we can enhance the competitiveness of traditional banking products.

Now, the biggest liberalization of banks is the opening up of some financial products, which can be redeemed in advance, which is the biggest innovation compared with the previous ones.

Lu Yujia said.

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< p > the above bank executives said that the operation cost of bank outlets was relatively high, and customers also became reluctant to run outlets. If net signing was used to buy financial products, it would greatly help financial innovation in the later stage, and at the same time, it could also reduce cash flow, which would also help in anti money laundering.

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< p > Xi Junyang, deputy director of the modern financial research center of Shanghai University of Finance and Economics, told reporters that the first purchase of bank financial products needs to be assessed by the counter, which should not be released for the time being.

Because customers are not very clear about the inherent risks and principles of buying financial products, they often mistake financial products for deposits and deposits.

If the risk assessment is not carried out through the counter, the risk of the product can not be face-to-face, and the customers will not read the Internet text carefully. Even if the telephone or other means are difficult to fully explain the principles, risks and expected rate of return of the financial products, it is difficult for the bank to obtain sufficient evidence to prove that the customer has made sufficient hints.

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< p > Xi Junyang said that under the current circumstances, the counter signature is relatively sound. With the < a href= "http://www.91se91.com/news/index_s.asp > > investor < /a >, the understanding of bank financial products is constantly improving and familiar, and it can be gradually relaxed in the future.

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