Bank sales are obsessed with public offering, and want to borrow internet finance to beg for trouble

Bank sales channels alone have long been plagued by public offering. Today, the rise of the balance treasure has made fund companies see the dawn of this dilemma. But banks do not think they are facing a potential threat.

The traditional channel of banking has been criticized by the industry. Fund companies need to spend a lot of manpower, material resources to maintain bank channels, medium and large fund company channel Sales department are twenty or thirty people's team, and customer loyalty is very low, at any time may be transferred to other fund companies. In addition, even if the fund company for the bank to pay more than 60% of the management fee as a sales service fee, it is still impossible to get the bank's customer information, but also to provide customers with more services.

"The bank has drained the fund company. Instead of sitting and waiting to die, go out and find a way to live. One industry personage regrets that.

The small and medium sized fund companies will be more welcome to the new sales channels than the big ones, and the price of the banks is too high for them to bear. If there are new developments in the field of electrical business, the company may be positioned to downplay the banks.

A small joint venture fund company in Shanghai has started to form a new E-commerce team that will invest enough human and financial resources in the business and believes it will be a new direction for its future development, a person familiar with the matter said.

Coincidentally, a Shanghai medium-sized public offering also intends to separate the company's E-commerce division to set up a dedicated subsidiary, which shows its attention to this business.

In fact, the bank's single largest sales market is also unregulated, and regulators want new sales channels to challenge banks. Since last year, regulators have been issuing independent fund sales licences and third-party payment licences, and allowing other financial institutions, such as brokerages and registration and clearing companies, to carry out the trust business, all to break the monopoly position of banks.

The future of the brokerage in the fund sales of space is also quite people look forward to.

"Now the sale of the fund is relying on securities companies, but the securities dealers do not have the right to the income will be restricted, sales enthusiasm is not high." If the securities dealers have the qualification, the situation is very different, the brokerage can selectively focus on doing some tool products, the more initiative. "The marketing department of a Shanghai fund Company believes.

Banks do not yet see these new things as threatening their status, and the bank's price remains high in terms of sales and service charges.

However, banks are also trying to use new forms of cooperation and products to maximize the benefits for their clients to attract more money to settle down.

Based on the function of Money market fund, there have been several public offering and banks in the market recently, which has launched the balance financing automatic repayment and other business; Yifangda and GF July 12 jointly launched the "Smart Gold account", customers in the binding current, credit card and easy to reach the IMF three accounts, you can realize the automatic purchase of deposits easy to reach currency a , and automatically initiates a redemption repayment credit card. (