Information Disclosure Of Financial Products Is Not Standardized And Has Always Been Criticized.

The information disclosure of big banks is still not standardized.

There is a serious imbalance between the number of announcements and the number of operations. According to Puyi wealth data, in 2014, the top five of the national commercial banks were the Agricultural Bank, CITIC Bank, Zhejiang Merchants Bank, China Merchants Bank and Minsheng Bank.

From the comparison between the top 22 regional commercial banks and the national commercial banks, we can see that the average scores of the three sub items of the national commercial banks are lower than those of the top 22 regional commercial banks. The average score difference of the distribution information is 0.86 points, the average score difference between the maturity information is 1.09 points, and the average score of the running information is 0.78 points.

In the national commercial banks, the Agricultural Bank ranked the first place, and the bank has the top scores in the publication and operation of information disclosure, in addition to the low scores on the maturity of the information disclosure.

Other top ranked national commercial banks, despite their good performance in issuing and maturing information, most banks have a serious imbalance between the number of product announcements published in each quarter and the number of products they run in the month.

According to Puyi wealth data, the top five of regional commercial banks in 2014 were Nanjing bank, Jiangsu bank, Jinzhou bank, Ningbo bank and Shanghai rural commercial bank.

Why does the repeated injunctions not work? It is learnt that the regulatory authorities have already made relevant regulations on the disclosure of financial products, requiring commercial banks to disclose in advance, in and after the event.

In order to further enhance the pparency of financial products operation, the financial information registration system was officially launched in 2013.

In addition, the regulatory authorities have also introduced strict management measures for financial products to invest in non-standard assets and bank financing.

Under repeated orders, why?

Information disclosure is still not improving significantly? A joint stock bank official said, from the bank itself, if detailed information disclosure, each of its financial products need to separately establish subsidiary ledger, separate accounting.

Correspondingly, the R & D, management and risk control of financial services will be faced with cost pressures.

And

It is often expected that the expected rate of return, as for its product investment, operation and other information, often considered insignificant, banks naturally no pressure.

"This is also closely related to the investment target of bank financing.

Bank financing

The proportion of non standardized creditor assets is about 31%.

That is to say, more than 30% of bank financing funds have been invested in non-public assets with high risk and low liquidity.

At the same time, the asset pool mode of bank financing business also restricts the sunshine and pparency of information disclosure.

Multiple financial products correspond to multiple assets, and investment costs and risk parameters are hard to calculate, let alone information disclosure.

The head of the joint-stock bank said.

Regional commercial banks in the top ranking of information disclosure standardization are generally lower than the national commercial banks in terms of product circulation and maturity, but these banks not only perform well in pparency and completeness of product distribution information and expiration information, but also make the operation announcement better match with the current operation products, so the total information disclosure of these banks is more than that of the national commercial banks.