《大行報告》中金:中銀保監明確劃定理財產品銷售管理 助內銀資管業務發展
中金發表研究報告指,銀保監會制定《商業銀行理財子公司理財產品銷售管理暫行辦法(徵求意見稿)》,作為《商業銀行理財子公司管理辦法》的配套制度,旨在規範理財子公司銷售業務活動並保護投資者合法權益,認為此次意見稿出台符合預期,有助於銀行資管業務可持續性發展。
該行指出相關法案的好處,包括明確劃定理財產品銷售機構範圍,現階段僅包括理財子和吸收公眾存款類銀行業金融機構;理財產品客戶群體具有明確風險偏好,銀行端渠道優勢顯著;有助於銀行機構獲取客戶和經營客戶,加快財富管理業務發展;把握理財子能力建設的窗口期。
該行重點推薦理財子轉型、財富管理轉型顯著超出同業的銀行機構,主要包括招商銀行、平安銀行、寧波銀行、興業銀行等。
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