站内查询
您现在的位置是:主页 > 美高梅网站app下载 > 银行理财子公司加速进场今年规模和数量将大幅扩容
银行理财子公司加速进场今年规模和数量将大幅扩容
2020-01-08 00:43  www.konga9ja.com

  “快”是银行理财子公司2019年的关键词之一。赶在2019年最后一天,平安银行公告称获批筹建平安理财有限责任公司。据《证券日报》记者统计,去年有17家理财子公司获批筹建,10家开业,继国有大行、股份行后,城商行、首家外方控股理财公司也开始提速进场。“稳”是2019年理财子公司转型的另一关键词。理财子公司发行的产品仍以固定收益为主,混合类产品79款,权益类产品仅1款,银行理财向权益类转型稳步推进。

“Fast is one of the key words for the banking arm in 2019. On the last day of 2019, ping an bank announced it had been approved to build ping an financial co., ltd. Last year,17 financial subsidiaries were approved to build and 10 opened, according to the securities daily. After the state-owned bank and the stock bank, the city firm and the first foreign-controlled financial company began to move quickly. "Steady" is another key word for the transformation of the financial arm in 2019. Financial subsidiary issued products are still mainly fixed income, mixed products 79, equity products only 1, bank financial management to equity class transformation steadily advancing.

  在快与稳之间,银行理财子公司迎来了2020年。业内预计,今年股份制银行,以及理财转型突出、规模较大的城农商行将成为新一轮理财子公司筹建、开业的主力。

Between fast and steady, the banking arm ushered in 2020. The industry expects that this year's joint-stock banks, as well as the outstanding financial transformation, the larger scale of the city agricultural firms will become a new round of financial subsidiary preparation, opening the main force.

  随着2020年的到来,距离资管新规的过渡期结束也越来越近,银行理财业务快速转型是各大银行一项重要业务,其中,理财子公司是关键着力点。

With the arrival of 2020, closer to the end of the transition period of the new capital management regulations, the rapid transformation of banking financial management business is an important business of the major banks, among which, the financial subsidiary is the key focus.

  值得注意的是,一大波银行理财子公司“赶在年前”将好事落地。去年12月31日晚,平安银行公告称获准筹建平安理财有限责任公司,平安银行由此成为第5家获批筹建理财子公司的股份制银行。据平安银行此前的公告,平安理财的注册资本不超过50亿元。

It is worth noting that a large wave of bank financing subsidiaries \"years ago\" will be good landing. On the evening of december 31, ping an bank announced that it had been allowed to set up ping an financial co., ltd. to become the fifth joint-stock bank to set up a financial subsidiary. According to ping an bank's previous announcement, ping an's registered capital does not exceed 5 billion yuan.

  根据中国理财网信息,2019年12月底,招商银行旗下招银理财已登记了一只产品,名为“招银理财招睿颐养两年定开1号增强型固定收益类理财计划”,于同日开始募集。预计存续期为6年,起投点为100元。

At the end of December 2019, China Merchants Bank's China Merchants Bank has registered a product, called \"China Merchants Bank's two-year fixed-income enhanced fixed-income financial plan \", which began raising money on the same day. The estimated duration is 6 years and the starting point is 100 yuan.

  据《证券日报》记者初步统计,仅去年12月份,就有多家银行理财子公司有了新动作,其中,兴银理财、宁银理财正式开业;杭银理财获批开业。另外,南京银行、江苏银行、平安银行等3家城商行获批筹建理财子公司。

According to preliminary statistics of the securities daily, in december alone, a number of bank financial subsidiaries had new moves, among which, xingyin financial management, ningyin financial management officially opened; hangyin financial management was approved to open. In addition, nanjing bank, jiangsu bank, ping an bank and other three city commercial banks were approved to build a financial subsidiary.

  业内人士表示,还有很多理财子公司批文在路上,理财子公司开业的数量会逐渐增加,股份制银行、城商行的理财子公司将集中在2020年开业并发售新产品,理财转型突出、规模较大的城农商行将成为新一轮理财子公司筹建、开业的主力。

Industry insiders say there are still a lot of financial subsidiaries on the way, the number of financial subsidiaries will gradually increase, joint-stock banks, the city commercial bank's financial subsidiaries will focus on opening and selling new products in 2020, the financial transformation of a prominent, large-scale city agricultural firms will become a new round of financial subsidiary preparation, the main business.

  《证券日报》记者对各家理财子公司所发行的理财产品进行梳理和盘点发现,理财子公司已发行产品(包括子公司承接母行存量产品)存在几大特点,一是产品类型以固定收益类为主,固定收益类产品占比达到八成。

《 Securities Daily reporters to each financial subsidiary issued by the financial products comb and inventory found that the financial subsidiary issued products (including subsidiaries to undertake the stock of parent bank products) have several characteristics, one is that the type of products mainly fixed income category, fixed income category products account for 80%.

  中国理财网信息显示,截至1月2日,显示发行机构为银行理财子公司的产品共314款。以上述理财子公司产品来看,固定收益类产品高达240款,混合类产品79款,而权益类产品仅1款,尚未见商品及金融衍生品类产品。而记者查询得知,其中唯一一款权益类产品应为由工银理财承接的工行量化投资类产品。

As of january 2nd, china's financial management network showed 314 offerings from a bank subsidiary. For the above mentioned subsidiary products, there are 240 fixed income products,79 mixed products, and only 1 equity products. The reporter inquired to know that one of the only equity products should be the ICBC financial management to undertake quantitative investment products.

  中信证券固收首席分析师明明此前对《证券日报》记者表示,理财子公司刚刚设立,包括很多产品框架、投资框架、研究框架还在建立的过程中,以往国内的银行都是以债权类的投资为主,对股权的投资还需要一个学习和适应的过程,所以,权益类的产品包括衍生品类的产品推出会比较慢。

The chief analyst of CITIC Securities, who has just set up a financial subsidiary, including a lot of product frameworks, investment frameworks, research frameworks are still in the process of establishing, in the past, domestic banks have mainly invested in debt, the investment in equity also needs a process of learning and adaptation, so the introduction of equity products, including derivatives, will be relatively slow.

  在银行理财新规后,尽管商业银行理财产品向权益化方向转型加速,不过截至目前,这一转型从银行理财子公司新发产品的角度看似乎仍未充分体现。

After the new rules on bank finance, although the transformation of commercial bank financial products to equity has accelerated, but so far, this transformation from the perspective of new products issued by banking subsidiaries seems to be not fully reflected.

  二是投资门槛大大降低,超过六成的产品起投金额仅为1元钱,也有部分产品投资起点为一百元。低门槛的“零钱理财”成为理财子公司产品的揽客利器。

Second, the investment threshold is greatly reduced, more than 60% of the product starting investment amount is only 1 yuan, but also some products investment starting point is 100 yuan. The low threshold of \"small money management\" has become a financial subsidiary's product acquisition weapon.

  此外,尽管目前有10家理财子公司开业,但不是所有理财子公司都在第一时间登记了新产品。据中国理财网信息,截至1月3日,仅有6家理财子公司登记了产品,分别为五大行理财子公司和招银理财。证券日报

In addition, although there are currently 10 financial subsidiaries, not all financial subsidiaries have registered new products in the first place. As of January 3, only six financial subsidiaries had registered their products, according to China Financial Management Network. Securities daily