Jingdong Sales Bank Of China Guaranteed Capital Management Was Stopped

Recently, Jingdong financial sales Bank of China Merchants Bank's capital preservation products, and broke through the "face sign" approach, attracted much attention.

However, in September 23rd, the economic report reporters learned exclusively from several authoritative channels in twenty-first Century. The product sales were written halted by the regulatory authorities for second days, and they were defined to be irregularities, and the responsible persons were called to "talk".

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Authoritative sources pointed out that bank financing is not allowed to sell directly in the electricity supplier channel.

Some voices believe that the current management focus of bank financing is not a channel, and the existing customer base and channels are enough. What should be considered is to enhance asset management capabilities and properly manage investors, otherwise the risk of the great leap forward will be greater.

Close to the authority of the China Merchants Bank, the fact is that the retail sales channel of China Merchants Bank is the leading industry in the world, and its sales channels for financial products have been very wide.

At the very beginning, China Merchants Bank did not plan to sell financial products on a large scale through the third party Internet channels. This cooperation with Jingdong has made a test to improve the customer experience.

In fact, since the beginning of this year, regulators have repeatedly stressed the issue of financial sales in public, and the policy of classified sales of financial products and the "sound recording and recording of financial sales" are also expected to come down.

"Face check" supervision bottom line

In September 15th, Jingdong finance opened the 546 yuan financial plan (RMB: 106346) for RMB years in China Merchants Bank, with a term of 32 days. The threshold for purchase is 50 thousand yuan, which belongs to the guaranteed floating income type. The highest annual yield is expected to be 5.8%.

Financial related responsible person, the product is Jingdong financial investors exclusive products, products sold offline in less than 2 days.

According to the product specification, the product was founded in September 19th, the upper limit of which is 100 million yuan.

In September 23rd, the economic report reporters learned exclusively from a number of authoritative channels in twenty-first Century. In fact, the product sold for second days, that is, September 16th. After studying the regulators, they sent a written notice to the merchants bank to stop the cooperation project.

The regulatory authorities clearly defined this practice irregularity. Meanwhile, the vice president of the Beijing branch of the China Merchants Bank also reported to the Shenzhen Banking Regulatory Commission.

According to the authoritative sources close to the China Merchants Bank, the regulatory authorities once again reiterated the bottom line of the "face signature" regulation. They must protect the interests of consumers, emphasize the authenticity of the identity of buyers of financial products, confirm that they are buying them; the regulatory authorities believe that online risk assessment and some behaviors are not guaranteed, and the banks also understand.

Regulators are even more concerned about buying and selling online products on the Internet.

As for the question of whether or not to communicate with the regulators ahead of time, the authorities close to the China Merchants Bank said that in fact, when the cooperation between Jingdong and China Merchants Bank was conducted online, the risk assessment was conducted by the relevant departments of the retail business.

Since June this year,

The retail line started a new round of restructuring, which has just been completed.

The purpose of this test is to collect customer feedback and accumulate data from the perspective of improving and improving customer experience, through the sale of financial products, to further understand the customer's network behavior.

In fact, in the process of testing Internet sales, we have done a lot of meaningful work on the cross identification of customer identity.

For example, Jingdong financial pointed out in an email sent to the twenty-first Century economic news reporter that in identity authentication, Jingdong authenticates users' real name information quickly and verifying user identity.

When users use the bank savings card to pay, the bank will pass the interbank cross identity authentication to reconfirm the user identity.

During the redemption, funds were entered into and out of the card to ensure that buyers and certifications are consistent and funds are secure.

Selling video recording "fetal movement"

The industry has always had different opinions on the issue of face financing.

Many bank financial departments believe that under the background of zero threshold Internet finance, the "face signature" and the threshold of 50 thousand yuan have been outdated and slightly unfair.

Regulators should emphasize and strengthen the supervision of investors' appropriate management, and sell appropriate products to suitable investors instead of additional restrictions on sales convenience such as threshold and "facilitation".

However, there are also some bankers who believe that the "face check" is really necessary.

A person in charge of information management department of a certain stock company introduces that "net sign" is really a technical problem and is easy to solve, but the system can not replace the communication between financial manager and investor.

Because in the process of face signing, the financial manager will further understand the relevant information of investors, such as his financial assets and so on, so as to have a more precise grasp and comprehensive identification of the customer's risk tolerance.

At present, there are only a few basic problems in the risk assessment of bank financing, which is not enough to understand the complete information of customers, and may cause the risk of improper sales.

At the same time, at present, the first risk assessment work of foreign banks selling financial affairs is relatively good. Recently, a number of domestic banks have gone to pick up the money. Foreign banks have about 30-50 tests.

According to reporters from a number of bank financial management department to understand that this year, regulators at some internal meetings, has repeatedly mentioned the audio and video recording.

On September 9th, Shang Fulin, chairman of the China Banking Regulatory Commission, pointed out at the three meeting of the Sixth General Meeting of the banking association, "the whole process of recording and recording bank financing sales process".

However, at present, it is only required to do as much as possible, and there is no rigid requirement and time arrangement, but it should be a trend.

According to a participant, in a recent exchange forum, banks responded negatively.

On the one hand, especially those with large number of outlets, it is considered that the cost of installing audio and video equipment at each point, plus late storage is high; on the other hand, audio and video recording will involve investors' privacy protection and acceptance.

From the present point of view, the work of audio and video recording is still dominated by the local authority, and some local regulatory bureaus are more demanding.

In fact, the bank is already making preparations for the recording and video recording.

A retail branch manager of a branch of a bank in Shanghai introduced that since April 1st this year, financial management sales have started recording and video recording, but the customers' acceptance is not high enough, and they hope that regulators can release relevant opinions as soon as possible.

In addition, it is worth noting that this year, regulators have repeatedly made statements on bank financing sales.

In August 9th, Wang Yanxiu, director of the innovation Department of the China Banking Regulatory Commission, said publicly that the biggest risk of bank financing may not lie in credit, but in sales.

In accordance with the requirements of the CBRC, the future is mainly to distinguish the general public from the high net worth group and the private bank customers.

This means that the classified sale of financial products has already been considered by regulators.