Industry veterans pointed out that from the bank's point of view, due to the inefficiency of China's financial system, the banking system has accumulated a large number of non-performing assets, requiring commercial banks to have a capital adequacy ratio of 8% by 2007. In order to achieve this goal, on the one hand, commercial banks will enter the stage of centralized capital replenishment, and at the same time, they need to adjust their asset structure, control the expansion of high-risk assets, and urge banks to shift from high-risk corporate credit to intermediary business and asset management business. A few days ago, when the deposit interest rate continued to show negative interest rate, the interest rate adjustment plan was only slightly raised by 0.27. This is an obvious policy orientation, consciously promoting the diversion of savings deposits from banks, and asset management business is one of the important channels. Therefore, if the relationship between fund companies and banks in the first two stages is to take care of each other's face, and you take care of me and I take care of you, then now we are gradually entering cooperation based on their unique core competitiveness and business needs. Banks should take advantage of their own understanding of the terminal market and customer resources, actively integrate different fund products into their own product systems, and actively put forward opinions and suggestions on product design, while fund companies should give full play to their own advantages in product innovation and investment, and develop different risk returns according to the needs of different levels of markets. At this time, banks with good sales teams and fund companies with good product design ability and investment ability will become scarce resources, and the two sides will enter the process of mutual cooperation and mutual choice. Analyze the real purpose of mainstream funds and find the best profit opportunities! )
In this regard, Guo Chao, deputy general manager of ICBC's personal finance department, said that as the largest commercial bank in China, ICBC will change with the potential of emerging markets, seize the rare historical development opportunity, and give strategic priority to the development of agency fund business as the fist product of personal intermediary business. In terms of fund sales model, the original phased, mandatory, quantitative and single product sales model has changed into a market-oriented, daily, combined and profitable marketing model; Accelerate the development of fund duration sales According to the idea of "paying equal attention to issuance and subscription", on the basis of doing a good job in fund sales during the issuance period, we will strive to explore and innovate, select outstanding fund management companies and fund products with outstanding performance value, and actively promote the subscription business of continuous funds through business means such as regular fund quotas. In addition, we will cooperate closely with many excellent fund companies, actively carry out fund product innovation, and are designing portfolio products of funds and savings, funds and bonds, and funds and foreign exchange; And adhere to the multi-channel fund sales strategy, build a customer-centered fund marketing platform, and establish a hierarchical professional fund sales team composed of account managers, financial experts and financial consultants.