In the second quarter, the sales of public fund sales rising banks are still the main sales force

Our reporter Peng Yan

In the second quarter, the A -share market gradually recovered, the fund sales market rose, and the activity of the bank's sales fund also increased. On the one hand, due to the performance of some funds, some funds have become "popular goods" for investors to purchase; on the other hand, some banks have launched fund purchase feed rates at a discount, which has also attracted the participation of a large number of investors.

China Securities Investment Fund Industry Association (hereinafter referred to as the "China -Foundation Association") recently disclosed in the second quarter of 2022 Fund sales institutions public fund -raising fund sales in the large scale data shows that in the fund sales team, the bank's head effect is prominent.

Bank fund sales are stable

Recently, some banks have launched a discount of 10 % off the fund's fixed investment rate. For example, the news released by the official website of the Construction Bank shows that from June 17, 2022 to December 31 (as of the legal trading time on the day), investors enjoy the preferential rate of expenses through the bank's mobile banking and personal online banking fixed investment funds. Discounts generally reach 10 %.

"In the first half of this year, due to the downturn in the A -share market, fund sales are difficult. However, with the recovery of the market, the fund issuance market and the sales market have recovered." A bank's wealth management manager told reporters that "investment funds are suitable Long -term allocation can only get considerable income only by putting the investment period. It is a good time for fund fixed investment. "

"Although the current fund is not as hot as before, customers who have recently consulted and purchased funds have more customers than in April and May. Some funds have attracted many new and old customers to buy due to their performance." A joint -stock bank -made bank. The wealth management manager introduced.

"In the past two months, the market is good. I have some idle funds. I have added some fund products through fixed investment to reduce the cost of holding positions." Many investors told the Securities Daily reporter.

At present, the second quarterly report of public funds has been disclosed in the second quarter of 2022. Data show that as of the end of the second quarter, the assets of public funds reached 2.666 trillion yuan, an increase of 6.71%from the previous quarter. Except for alternative investment funds, the scale of various types of funds has risen. Among them, bond funds rose 9.89%from the previous quarter, and the scale of stock -type and hybrid funds rose by 8.41%and 3.69%compared with the previous quarter.

As a category of intermediate business, the fund sales business has contributed a considerable non -interest income to the bank. The "Securities Daily" reporter sorted out the bank 2021 annual report that although some banks' fund sales declined slightly in 2021, the fund sales revenue was still the backbone of bank wealth management fees income. From the perspective of the amount of insulation, banks are in the "C position" of fund sales channels. For example, although the sales volume of ICBC and China Merchants Bank in 2021 has decreased slightly, they have exceeded 600 billion yuan, and the premiums of the sales fund are in the leading position in the industry. The fund sales of Agricultural Bank of China in 2021 were 344.448 billion yuan, an increase of 23.365 billion yuan year -on -year.

Banks are still the core channel of fund agency sales

On July 27, the China -Foundation Association announced the top 100 list of public fund sales in the second quarter of 2022, including 51 brokers, 26 banks, 21 independent fund sales institutions and 2 insurance and agency institutions. Essence Data show that as of the end of the second quarter, the size of various types of fund sales institutions has gradually increased. Among them, the bank channels in the second quarter of this year have the scale of stock+hybrid funds, and the scale of non -currency market public offering funds is 3474.5 billion yuan and 4205.8 billion yuan, respectively, an increase of 7.01%and 9.39%, respectively.

From the perspective of the bank ranking, the top three of the stock+mixed public fund -owned funds are China Merchants Bank, Industrial and Commercial Bank of China, and Construction Bank; Essence Among them, China Merchants Bank reserved the scale of 859.7 billion yuan of non -monetary funds and 709.5 billion yuan of stock+hybrid funds. The non -monetary fund of ICBC has a scale of 565.9 billion yuan, and the stocks of stocks have a scale of 507 billion yuan, ranking second. There are 11 banks with a scale of over 100 billion yuan in stock+hybrid funds. Construction Bank, Bank of China, Bank of Communications, Agricultural Bank, Pudong Development Bank, Minsheng Bank also among them. In the top ten of non -monetary funds, banks occupy a total of 6 seats, and there are 12 banks with a scale of over 100 billion yuan.

Xu Yang, chief economist of Hong Kong Zhongrui Fund, told a reporter from the Securities Daily that the scale of fund sales in the second quarter was related to the growth of the overall recovery of the market in the season.

The co -director, researcher Pan and Lin of the International Joint Business School of Zhejiang University International Commercial School of Business, and Researcher Pan and Lin told reporters of the Securities Daily that banks have a relatively stable share in the field of fund agency and still have good reputation. There is a certain source of customers who have traditional traffic, so it is more convincing in fund sales.

Talking about the changes in the future sales market in the future, Panhe Lin believes that on the one hand, the right to speak in the field of fund sales in the fund is increasing. On the other hand, financial institutions with online entrances occupy more user traffic, and the way to import users through online entrances will further enhance its fund sales business; some financial institutions will also cooperate with the Internet giants to increase their own funds by embedding the way Sales.

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