According to insiders, the purpose of this move is that "commission" is not a "base", and investors must think twice before buying.
□ Our reporter Huang Dan is keen to promote the fund to vote for banks. According to insiders, the purpose of this move is that the "servant" is not in the "base". Investors must think twice when buying □ Our reporter Huang Dan Morning News "It is better to buy some funds yourself!" In the past year, due to the downturn of the stock market, this proposal was hardly mentioned by the bank's marketing staff, and even a boss of the bank's gold department declared: "We don't sell funds now." However, the reporter found that the fund's fixed investment business has been implemented in a number of bank outlets in a high-profile manner and has never stopped. Why do banks work so hard? Insiders have revealed that the promotion of fixed investment banks can get high commissions from fund companies, and the risk of doing this business is small, but the profit is higher than that of single fund business. Therefore, some experts remind investors that before buying a fund, it is best to consider carefully according to their own risk tolerance before placing an order. The fund company opened a fixed investment account to reward 50 yuan, Jiahua International Business Building, Hangda Road, Hangzhou, and many banks gathered. A year ago, several banks would hang bright banners to promote new funds. But this banner has disappeared for almost half a year. However, the slogan of the fund's fixed investment is still eye-catching in some bank outlets. The reporter found that most of the advertisements of the fund's fixed investment are easy to understand. For example, the slogan of the Hangzhou Road outlet of CCB: "The fund will be fixed, and every time it is invested, it will yield big long-term benefits." When the reporter suggested that it is safer to buy funds now, the staff of the outlets enthusiastically introduced: "It is best to buy bond funds and make fixed investments every month. The longer the duration, the better. " In the business department of Hangzhou Branch of China Merchants Bank, which is dozens of meters away from CCB, the leaflet of the fund's fixed investment is placed in the most eye-catching position on the publicity column. Different from other banks, the bank launched a smart fixed investment. When the reporter expressed interest in the fund, the staff introduced its benefits like a family heirloom: each fund can choose every year, and each fund can make a fixed investment, with considerable long-term benefits. According to reports, with the advantage of many outlets, banks borrow funds to sell and collect commissions from fund companies. For new funds, the one-time initial commission is calculated according to the raised amount, which is generally 0.2%-0.5% of the bank's sales. After that, in order to continue marketing and maintain scale, fund companies will also pay trailing commissions to banks on a regular basis, such as 0. 1%-0.2% of the fund shares held by banks every quarter or every year. "Now we mainly promote the fund's fixed investment business." Mr. Li, the channel manager of a fund company in Zhejiang, revealed that the fund sales in the weak market are in an unprecedented passive and embarrassing situation, so we have to change the propaganda strategy and focus on concept propaganda. Among them, the most important thing is the fixed investment of the fund. Mr. Li revealed that in addition to the traditional scale, the incentive standard for fixed investment has also increased an important standard-the number of accounts. Basically, when a bank opens a fixed investment account for each company, it will get a 30-40 yuan reward from the fund company, and some banks even offer a high price in 50 yuan. The bank's business risk is small and the income is high. "Although the rebound has been going on for more than half a month, we are still very cautious about fund sales, especially the new funds launched at one time. We are especially careful. " The person in charge of the personal finance department of a joint-stock commercial bank said, "The fixed investment of the fund is different. Although the investment income will not be effective in the short term, the relative risk is also small. " He also said without hesitation that this business has low risks and high returns. If you don't do it yourself, other banks will do it. Instead of letting customers flow to other banks, it is better to sell them yourself. As for the specific rewards for fund sales, the head office usually signs an agency agreement with the relevant fund companies to determine the commission standard, and this part of the commission collected from the fund companies is recorded as the bank's business income; Subsequently, according to the specific needs, the bank will take out a part of the rewards obtained by the fund company to the branches and related employees. In fact, regarding the high commission to urge banks to promote the fund's fixed investment business, Mr. Li said: We believe that the fund's fixed investment is conducive to investors to establish a long-term investment concept and to the long-term development of the company. At present, banks are our main sales channels, so we take some incentive measures for banks. In this regard, Mr. Liang, the head of the channel of another fund company, expressed concern: some banks often have generous reward conditions from which fund company they will try to promote. And ignore the performance, brand and strength of a company. This makes it more difficult for investors to choose, which is very worrying. Therefore, he reminded investors that when choosing a fixed investment fund, it is advisable to first examine the performance of the fund company and its own risk tolerance before placing an order. It is reported that in order to broaden the fund sales channels, many fund companies choose to directly open up online fixed investment of funds, and vigorously promote them through measures such as preferential rates. According to rough statistics, more than 30 companies have launched online fixed investment business.