During the year, three regional small and medium -sized banks received fund custody "Qualification Certificate" expert: should be flexible in combination with their own development strategies

On the evening of August 7, our reporter Yang Jie issued an announcement saying that its securities investment fund custody qualification has been approved by the CSRC. This is the third regional small and medium -sized banks in the year after the Bank of Suzhou and the Bank of Qingdao. The director of the Shanghai Financial and Development Laboratory once told a reporter from the Securities Daily that the fund custody business is one of the business banks that attach great importance to the business. In the past, there were many large banks. Now some medium -sized urban commercial banks are also among them. On the one hand, custody can bring a certain amount of capital inflow, which is conducive to optimizing the bank's income structure; on the other hand, banks intervene in the asset management industry, and with the custody business, it will have a closer relationship with public and private funds, which will help banks to improve their own capital Management of business systems and capabilities provides good opportunities for the optimization of bank transformation business structures. "At present, the banking industry actively implements the reasonable profit of financial institutions to the real economy, and the loan interest rate has dropped steadily. In the first quarter, the net interest margin of commercial banks fell to 1.97%. Urban and rural commercial banks with higher interest rate differences in the first quarter declined. In the context of the net interest margin or will continue to narrow slightly, the net interest income of small and medium -sized banks is relatively obvious. Therefore, it is urgent to optimize the revenue structure and strive to expand the growth direction of non -interest income. " "Securities Daily" reporter said that from the situation from 2021 to the present, the demand for wealth management of residents has risen, and the state's emphasis on direct financing has increased. The business space in the other fields is broader. Small and medium -sized banks obtain the qualifications of securities investment fund custody is conducive to their development opportunities for comprehensive operations, combined with the customer base and channel advantages of the local area, and promote comprehensive competitiveness to improve comprehensive competitiveness by consolidating intermediate income. It is worth noting that since the Bank of Jiangsu was approved by the Bank of Jiangsu in 2014, the Chinese Bank's approved fund custody qualification has been "broken" for many years, and only three banks have been approved until this year. "The custody business, as a major foundation for ensuring the steady development of the capital market and the fund industry, has high requirements for the comprehensive service capabilities of financial institutions. The relatively strict approval environment reflects the steady operation of the fund market with the fund market with rapid rising scale and high. Important requirements for quality development. "Li Yilin said. Talking about whether the subsequent supervision will gradually open the approval of the "gate", Li Yilin believes that under the general tone of accelerating the high -quality development of the fund industry, the professional capacity of the existing fund custody agency has improved, the level of governance and structural balance optimization will still be the current current In areas where regulatory focus is on, the approval of the securities investment fund custody license will not be liberalized in large areas. Data from Oriental Fortune Choice show that as of August 8, the top ten of commercial bank fund custody assets are state -owned banks and joint -stock banks. Among them, ICBC, Construction Bank, and Industrial Bank ranked among the top three. At the end of the period, the total assets of openness and closed public offering funds of custody were 4.17 trillion yuan, 3.09 trillion yuan, and 2.28 trillion yuan, respectively. However, although the Bank of Jiangsu, as the largest regional banks in custody, ranked 15th in the total ranking of the bank. The size of the custody assets was only 352.692 billion yuan, which was different from the head bank. In Li Yilin's view, the custody business has a relatively obvious scale effect. Small and medium -sized banks have accumulated insufficient accumulation and started late. They should be flexible in combination with their own development strategies. In the short term, small and medium -sized banks should grasp the window period for new securities investment funds to custody, give full play to their inherent advantages of being close to local communities, understand the inherent advantages of local customers, and launch more flexible fund custody services to fully connect the personality of regional customers' personality Demand. From the long -term perspective, small and medium -sized banks can learn from the experience of advanced domestic and foreign industry at home and abroad, consolidate the asset foundation, fully evaluate self -assessment, improve business mechanisms, cultivate professional talents, do a good job of risk isolation, and increase customers with more flexible products and "intimate" services to increase customers. Sticky, and then take the path of professionalism and differentiation. "Whether small and medium -sized banks can do the qualifications to see depends on the self -positioning and business expansion capabilities of each bank." Zeng Gang said that subsequent small and medium banks need to establish a complete set of custody systems. Regional and customer group advantages, we will enlarge their own assets.

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