The new asset management regulations fully implemented the "first year" bank wealth management presenting seven highlights to create 417.2 billion yuan for investors in the first half of the year

Our reporter Yang Jie on the afternoon of August 19th, the banking wealth management registration custody center Co., Ltd. held the "China Banking Management Market Half -year Report (2022)" (hereinafter referred to as the "Half -year Report") conference. The "Half -year Report" is based on the big data of the national banking wealth information registration system, which comprehensively summarizes the situation of my country's banking wealth management market in the first half of 2022, and has a special topic on the situation of wealth management products, wealth management investors, market institutions and services and other services. Research and analysis. Liu Zhifu, deputy director of the Innovation Department of the China Banking Regulatory Commission, Deputy Secretary of the Party Committee and President of the Banking Management Registration Custody Center, Duan Bing, CEO Duan Bing, Song Funing, President of China Bank Finance, Dong Ximiao, Chief Researcher of Zhaolian Financial, attended the press conference. And speak. Liu Zhifu, deputy director of the Innovation Department of the China Banking Regulatory Commission: continuously strengthening the daily supervision of wealth management business and prevention and control of risk prevention and control of Liu Zhifu said that since the release of the new asset management regulations, with the policy leadership of the regulatory authorities and the joint efforts of market institutions Preventing and resolving financial risks has achieved a good reform effect of returning to the origin, structure optimization, and improvement of quality and efficiency. The significant decrease in layers of nested has laid a solid foundation for the healthy development of bank wealth management business. This year is the first year after the formal end of the new regulations for asset management. The banking wealth management industry has entered a new stage of high -quality development and presents seven highlights: First, the scale of the wealth management market has steadily increased, and the transformation of wealth management business has continued to deepen. The second is to steadily promote the reform of wealth management companies, and the professional pattern is increasingly prominent. The third is to carry out the pilot work of pension financial management, and the supply of pension financial products is becoming increasingly abundant. Fourth, the number of investors has continued to grow, and investment income is generally stable. Fifth, multi -channel docking the needs of real economic financing and actively practicing social responsibility. Sixth, the regulatory system has been further improved, and the efficiency of supervision has continued to improve. Seventh, the financial management registration center actively plays a role and helps the industry's standardized development. Liu Zhifu said that in the first half of 2022, the bank's wealth management market thoroughly implemented the new development concept and maintained a good development trend. In the second half of the year, the China Banking Regulatory Commission will continue to adhere to the general tone of steady progress, continue to strengthen daily supervision and risk prevention and control of wealth management business, and promote the healthy development of compliance of financial management business. The first is to continue to promote wealth management companies to strengthen professionalization. The second is to effectively fulfill the duties and obligations of trust management. The third is to continue to improve the quality of the real economy. Fourth, the financial registration center must continue to play an active role. The president of the banking wealth management registered custody center Cheng Jiajia: In the first half of the year, the bank wealth management market cumulatively created 417.2 billion yuan for investors. "In the first half of 2022, in the face of complex and severe domestic and foreign economic situation, my country's banking wealth management market insisted on strict supervision requirements. , Implement new development concepts, continuously strengthen financial services and pension security functions, enhance the level of service of the real economy, meet the needs of residents' wealth management, and show a stable and good situation. "In the first half of the year It reached 2915 trillion yuan, an increase of 12.98%year -on -year, and cumulatively created 417.2 billion yuan for investors to create a half -year report for fruitful results. In general, in the first half of 2022, my country's bank wealth management market showed six main characteristics: first, regulatory regulations continued to improve, and supervision and supervision continued to strengthen; second, the size of the wealth management market has steadily increased, net worth of net worth, The degree continues to increase; third, the pilot piloting of pension wealth management products expands to meet the needs of the people's diversity; fourth, serve economic and social development, and explore green finance in wealth management; fifth, wealth management companies have developed steadily and become important forces in the industry; Continuous growth, investment income is basically stable. As of the end of June 2022, the number of investors holding wealth management products was 91.454 million, a year -on -year increase of 49%. Cheng Jiajun said that the banking wealth management registered custody center, as the supervision and market service agency of the wealth management industry, has always adhered to the responsibilities and mission of "service supervision, service market, and service investors", and continuously contributed to the development of the wealth management market norms. In the first half of the year, with the guidance of the regulatory authorities and the support of the industry agency, the financial registration center developed the pension financial management management system (Phase I) to assist in carrying out excess returns, cooperating with the pilot work of pension financial management; Financial management knowledge entering Wanjia "investor education and protection publicity activities, popularize financial investors to wealth management investors, guide investors to establish long -term investment and value investment concepts; The construction of the information disclosure platform of the wealth management industry has played a positive role in supporting the supervision of wealth management business, improving the level of service market services, investor education and protection. Duan Bing, CEO of Agricultural Bank of China: Duan Bing, a net profit of 1.45 billion yuan in the first 7 months, said that this year is the first year of the new asset management regulations and the full use of the "net value operation+market value valuation" of bank wealth management. In the first year, bank wealth management companies strictly implemented regulatory requirements, supported high -quality economic development with financial investment, and worked hard to create positive property income for residents to help common prosperity.

Since the third anniversary of the establishment of the Agricultural Bank of China, under the guidance of the regulatory authorities, the Agricultural Bank of China has always adhered to the customer -centric. With a stable business philosophy and professional investment operations, the "ending war" of the new regulations transition period of asset management regulations has been made. , Also ushered in the "opening of the door" for the comprehensive net worth of the wealth management industry. The first is that the performance performance is steady. As of the end of July, the company's total assets and net assets exceeded the 16 billion yuan mark. The net profit achieved net profit of 1.45 billion yuan in the first seven months, operating income, net profit, capital return rate (ROE), asset return rate (ROA) and other finances, etc. The indicators are at the forefront of comparison. The second is the orderly advancement of product transformation. The expected income -based old products entrusted by the mother bank have dropped to about 160 billion yuan, and all the capital preservation products have been cleared. As of the end of July, the total scale of the agricultural banking management products was 2133.3 billion yuan, of which net worth products exceeded 2 trillion yuan. Third, product competitiveness leads the lead. The company has made great efforts to build the "RMB Six Hearts" product system. In the past three years, it has created financial income for customers for more than 200 billion yuan. Fourth, market influence continues to increase. Dong Ximiao, chief researcher at Zhailian Financial, suggested: Actively study and optimize the model of small and medium -sized banks to set up wealth management companies. The fluctuations intensify, and the bank's financial management continues to move forward steadily after a brief return, and the results are not easy. "Dong Ximiao said. He also said that from the "Half -year Report", the risk preferences of investors in the first half of the year declined significantly. Among the individual investors, the largest number of investors with risk appetite is second (stable), accounting for 35.51%; risk preferences are level three (balance type), level 4 (equilibrium), and level fifth (aggressive type (aggressive type (aggressive type) type (aggressive type type ) The proportion of investors has declined year -on -year. Investors investment wealth management products are mainly concentrated in the risk levels of first -level (low) and second (low), with a total of more than 90%, and the first -level ratio is 5 percentage points from the beginning of the year. From the perspective of the type of wealth management products, the survival balance of fixed income wealth management products increased by 20.22%year -on -year, accounting for 93.83%; the existence balance of equity wealth management products decreased by 5.69%year -on -year, accounting for only 0.27%. "Starting from customer demand, banks and wealth management companies are correct according to market changes. Of course, they have actively adjusted products and investment styles in a timely manner. Recently, a few wealth management products have been seen in advance. How to make dynamic balance in the impossible triangle of safety, benefits, and liquidity will be a long -term huge challenge. "Dong Ximiao said. It is worth mentioning that the "Half -year Report" shows that in the first half of the year, there were 5,652 new products from rural financial institutions, accounting for 37.30%of the entire market, becoming the type of institution with the largest number of new products. Dong Ximiao said that in recent years, the regulatory authorities have strictly put the wealth management company's "entry barrier", insisting on not relaxing the standards, and steadily promoting the approval of the wealth management company. At the same time, it is recommended to actively study and optimize the model path of small and medium -sized banks to establish wealth management companies, better meet the strong desire of small and medium banks to develop financial management business, and strive to eliminate the "Matthew effect" of the banking system. "China Banking Wealth Management Market Half -year Report (2022)" full text | Site Cool Hero Bao Map Network Production | Zhu Lingzi Audit | Editor Wu Shan | Shangguan Monroe Final Trial | Peng Chunlai

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