Print the article and send it to friends to share the button [Abstract] In fact, the third-party financial institutions appeared long before the third-party sales fund, and noah wealth, one of the first licenses, is a typical representative of the third-party financial institutions. Indeed, in the past, institutions including Haomai and Noah all played the role of "shopping guide", but now how to realize the role transformation of consignment and professional investment consultants requires their own attempts. For the fund agency, including the first batch of independent third-party sales, perhaps investors, like the author, have the deepest question: can the agency fund be independent? In fact, the third-party financial institutions appeared long before the third-party sales of funds, and noah wealth, one of the first licenses, was a typical representative of the third-party financial institutions. The so-called third-party financial management is a financial service-oriented enterprise that is independent of banks, insurance and other financial institutions and does not represent or belong to any financial institution. We don't lay particular stress on any product supplier, but take the customer's needs as the guide, judge the required investment products by analyzing the customer's financial situation and financial needs, and provide comprehensive financial planning services. Similarly, the fund's third-party sales organization also claimed to be a professional, independent and impartial fund investment institution at the initial stage, and did not sacrifice the real interests of investors for the short-term interests of companies or individuals. This is also the core value that banks, brokers, direct sales and other channels cannot achieve. However, the market can not help but ask, can the third-party sales of funds be truly independent and fair? Do you have this ability and execution? We have learned that in the past fund sales, banks charged high trailing commissions and other customer maintenance fees, and were frequently short-sighted and frequently persuaded to apply for redemption in product recommendation. To this end, many customers have also suffered losses in fund investment. The reputation of many consignment banks has also been damaged. Therefore, Yang Wenbin, chairman of Haomai Fortune, thinks: "Justice and independence are part of corporate culture, and at the same time * * * needs institutional guarantee. For example, the separation of research and sales, the fund recommended by our sales team to customers must be the products in the fund pool built by our research team. In terms of incentives, the principle of non-discrimination is implemented, and recommended products are not linked to commissions given by fund companies. " In his view, the third party should "stand and sell funds", and the so-called "commission indifference" is the long-term development of an independent third-party fund sales organization. In Zhonglu Fund's view, guiding fund sales channels to be customer-oriented rather than task-oriented, and improving the service awareness and service level of fund sales channels can give fund companies and fund investors more choices. In addition to the institutional guarantee, giving the third-party sales organization a certain profit space may be the long-term guarantee of its independence. To this end, Article 46 of the Measures for the Administration of Sales of Securities Investment Funds also explicitly encourages consignment agencies to charge "value-added service fees". Specifically, "fund sales institutions can charge investors subscription fees, subscription fees, redemption fees, conversion fees and sales service fees in accordance with the provisions of the fund contract and prospectus. If a fund sales organization provides value-added services to fund investors, it may charge value-added service fees to fund investors. " To this end, several third-party sales organizations have indicated that they will charge a certain value-added service fee in different forms. According to the service level provided, they may be extracted from several annualized investment returns, or charged in subscription and subscription fees, or in the form of membership fees. However, several specific plans have been finalized. Noah Zheng Hang said that when designing special wealth management fund products with the fund company * * *, in addition to the fund management fee, there will also be an excess income sharing clause, that is, the actual investment return of the fund products exceeds the preset product yield, and Noah Zheng Hang will charge part of the excess income as a "value-added service fee". Regarding the scruples of third-party sales organizations charging extra fees in the market, Yang Wenbin thinks: "The rate is really not the focus of our attention, and really helping customers make money is the fundamental and the basis of charging. We're not here to lower the price line, we're going professional.