129784668276616250_536 <a href="http://www.levelingpower.com/tera/gold">tera gold</a>Fee fund new model study of the third-party sales model
In the context of changes in investor demand, sales of third-party funds or to some extent changed the mode of commercial bank and monopoly Fund sales channels advantages.
However, the "last resort" to obtain income from the Fund, and some third parties face a choice: "High Commission" or "good". Following the Securities and Futures Commission on February 22 presented one of the first independentFund sales licence, the informed source disclosed to the business news reporter, SFC Research again this week a number of Fund sales institutions submitted their applications for and the second third-party payment institution licences may be issued in April at the same time. Prior to this, including Zhong Lu, Noah is being lines, good fortune and wealth in the East, was one of the first funds four institutions eligible for third-party sales, His recent intensive negotiations with the fund companies, cooperation on Fund sales. Despite being beset by banking channel is too strong, but this new mode for third party sales, the attitude of many people in the industry continued to have doubts. Because of the mode and effect of uncertainties, what can third-party sale of the Fund to the fund industry brought much change, there is noKnown.
Business model differences, including Zhong Lu, Noah is being lines, good fortune and wealth in the East, was one of the first funds four institutions eligible for third-party sales. Single methods of the traditional commercial banking sales Fund: normally regularly fund companies for new funds, using channel advantage to customers for the Fund. Recommended criteria are derived fromFund cooperation agreement between the company and the Bank, rather than based on the different needs of different customers. This is exactly what the regulators are committed to launch sales of third-party funds important reasons. Overseas, sales Gets the income of the Fund is often derived from providing financial advisor business, help choosing the right fund investors at the right point in time. Such sales of Chinese commercial banksBut often ignored the investors their differences and the respective characteristics of the product. In order to get more sales, bank account managers also often encourages investors to redeem the old Fund, purchase of new funds.
This improper sales practices to some extent affected the income of investors purchase Fund. Third party Fund sales from the time of birth, began to take andBank funds for different sales model. Worthy of note is, the first third-party sales agency of models that were not uniform: some, such as Noah is being lines, good wealth is the goal of precision marketing for different customers, which provides investment advisory services in the marketing process and Zhong Lu and dongfangcaifuwang wants to build online Fund supermarket contains many Fund, for investmentProvide a wide range of choices. In the fund industry's view, their different options from the properties of its own. Listed as the first third-party financial institution, Noah begins from the date of the birth of wealth in business as an investment adviser, has also accumulated quite a number of high net worth clients. Except that it is recommended by various trust products in the past, the access to public-fund sales licenceWas important addition to its third-party financial advisor business. In the case of existing customer base, Noah is being lines continue to be used for investment adviser for the high-end customer sales model is a very viable option. Buy similar, although General Manager Yang Wenbin started well when buying is to raise funds for the purpose of sale, but in recent years, good buys in private equity sales leadDomain has achieved some good results, customers accumulate more abundant. By contrast
tera power leveling, Oriental wealth funds networks is to have every day, owned by mature network platform as an advantage, their site visitors are likely to be potential customers. But the site is making it impossible for them to completely grasp the characteristics of assets and preferences of their customers. Therefore, choose a fund supermarket online mode, to the mass ofCustomers select is the most feasible way of mass.
The person pointed out that, from this point of view, future fund third party sales agency of both models may also be used.
Good product or high commissions? The different business models also had different cost and methods of charging. For example, Noah is better for offline sales sales mode takes place and act as aConsultant staff, relatively high cost.
Oriental wealth its online Fund supermarket costs might be less in this area. This also led to a different sales operations for different sources of income. Under the current circumstances
tera gold, Fund purchasing costs alone it is difficult to cover the operating costs of these institutions. There are two ways to extend income: to accept the customer service fee to the Fund orCompany charges. In theory, than do precision marketing and investment consultants, online Fund supermarket more difficult through the Advisory service charges.
In fact, due to the traditional sales channels are the funds of the fund company charges, at present public-fund investors not used to pay for investment advisory services. In this case, the third-party sales organizations have to face earnings pressure like a traditionalBanking channels, trailing commissions charged to the Fund.
It is understood that but good fortune did not declare to the public fund collection followed in addition to fund sales institutions and firms of other negotiations, have put forward the demands of varying degrees of trailing commissions. This situation has caused discontent from some people in the industry. According to the 2011 fund companies achieved a totalManagement fees of $ 28.8 billion, but banks charge fees and $ 5.6 billion managed trailing Commission $ 4.7 billion. Much hardship fund of the Bank channel company, which has always hoped that the third-party sales trailing commissions appear can be changed at a high level.
So if you have third-party sales agency and followed the requirements of the Bank, expressed dissatisfaction with the fund company started. But there are fundsParticipants expressed understanding of the company.
Fund industry sources, compared with commercial banks, more room for third-party sales agency in the negotiations, now trailing commissions rates than commercial banks as a whole. This method of charging led to questions about third-party of the fair. The core meaning of third-party sales agency is to provide independent and objective of investors purchase basis,This basis should be fund performance and characteristics of the product itself.
Third parties need to obtain income from the fund company case, does that mean third-party sales only for the trailing commissions higher, rather than a better product? Third-party sales person, this charging method is also a "last resort". In order to guarantee the safety of funds,Third-party sales model design was introduced at the third party payment institutions and supervision of banks, this part of the third-party sales revenue of about 50%. Fund sales needs to reach a certain scale in order to achieve a more substantial revenues at the initial stage, third party marketing companies purchase fee income alone, fully living beyond its means. Consensus currently is more common in the industry, asA gross profit margin of limited industry, can be predicted is that third-party sales to overall profitability of the Fund, may need to be 3-5 time of the year, 2-3 years from the shortest.
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