Investment To "Investment + Consumption + Service" Pformation

Xie Wei, director of financial market operation of Pudong Development Bank, pointed out that in order to adapt to the current market changes, we should take the initiative to expand the scope of financial services, from investment to "investment + consumption + services" to pform the real net value.

In addition, the risk control of financial business should be changed from the credit mode to the comprehensive mode.

Xie Wei said that banks can start from the high net worth customers, give full play to their advantages in channel and product design, grasp the financial needs of different groups, provide differentiated services targeted, design differentiated risk pricing products according to their different risk preferences, and shift from the current single supply of fixed income investment products to more comprehensive products based on consumption and services, such as tourism, pension, consumption and so on.

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On the other hand, the traditional credit risk control mode is no longer suitable for the development of financial services.

China's banking risk control system is mainly based on the traditional mode of deposit and loan management. Credit risk is the leading factor, and the risk means are mainly designed for credit. The emergence of financial management has raised a new topic for the risk control of banks. The traditional risk control measures have been unable to adapt to the development of financial management, such as financial investment in the two tier market, and market risk gradually dominating. At this time, a single credit risk control obviously can not meet the requirements. Therefore, the banking system will further improve its wind control system in the future, changing from the traditional credit loan mode to the comprehensive mode to adapt.

Development.

Xie Wei also said that the risk control of financial business should be changed from the credit mode to the comprehensive mode.

There are two aspects of risk control in financial management business. On the one hand, financial services must be effective with traditional banking businesses.

Isolation is used to prevent the pmission of risk between different businesses.

Therefore, the main position of financial management is the premise to maintain its independence.

At present, the experience of foreign countries is to set up a Asset Management Co with independent legal person status and carry out asset management business through Asset Management Co, so as to achieve real risk isolation. Domestic commercial banks mainly exist in the form of asset management department, and do not have independent legal person qualification. In the future, when the "rigid payment" is gradually broken, the principal-agent relationship between banks and customers will be further clarified, and the main position of financial business of commercial banks will also achieve true independence.