Market Pformation Of Bank Financial Products In 2014

< p > < < a href= > http://www.91se91.com > > regulation > /a > level policy trend and development trend of banks (quotas, special districts) industry, 2014 is expected to become an important exploration year for market pformation of bank financial products.

The distorted balance sheet structure of banking industry is expected to be reversed and reconstructed, and asset management of banks is heading for the 3 era.

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< p > 2013, at the beginning of 2013, the market of bank financial products was faced with "two plugging and two thinning": in the direction of financial capital investment, we should reduce "disguised credit" and switch to standard chemical industries such as bonds and so on. In the operation of financial capital, we should get rid of the "pool of funds" and move towards pparency, get rid of "rigid payment" and move towards "public offering".

To sum up, the purpose of regulators is to slow down the risk of bank financial business accumulation and gradually reverse the distorted balance sheet structure of banks.

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< p >, therefore, the market of financial products in 2014 is expected to undergo several changes: < /p >

< p > first, the "capital pool" mode will be destroyed.

The traditional banking financial products adopt the operation mode of "a href=" http://www.91se91.com/news/index_cj.asp "fund < /a > pool", which is also an important reason for the low risk and high yield of bank financial products.

However, liquidity constraints in June 2013 fully exposed the potential risks of the model.

In the short term, the collapse of the "pool of funds" mode of financial management will affect the scale and yield of financial products, and the investment of financial capital will be more directed towards standardized assets such as bonds. In the long run, the "one-to-one" mode of operation will be more conducive to the long-term development of bank financing.

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< p > followed by "public offering" products will be popularized.

Article 8, the pilot project of bank information management plan, and the 107 version of the Internet version of the bank put forward the requirements of separate management, accounting and accounting for bank financial products.

Only when bank financing products move closer to the "public offering" products can they really get rid of the "rigid payment" bondage and return to the essence of "customer financing", so that investors can bear the risk of investment independently.

The popularity of "public offering" products challenges banks' research capabilities, product creation capabilities and risk control capabilities. In the future, the yield of financial products will break through homogenization.

The banking industry is expected to really breed a group of asset management teams with excellent investment management capabilities.

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< p > is another upgrading of cross market regulation.

The current bank financing products take advantage of the differences between the "a href=" "http://www.91se91.com" and "the market" and "/a", so as to gain the benefits from the way of cross market products.

With the enhancement of awareness of wind control in cross market financial products, the cross market arbitrage space of financial products will be narrowed.

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