Banking innovation is changing customer structure

China Banking Regulatory Commission business Innovation Supervision and Cooperation department deputy director Yin Long Banking innovation is changing customer structure-our correspondent Pan Hongmin "Banking innovation should change the customer structure."　　Yin Long, deputy director of Business innovation of the CBRC, said in an exclusive interview with the Securities Daily yesterday (26th). Just attended the "2009 Beijing Bank Financing Education public action Initiation Ceremony" Yin Long Special stressed that "what kind of customers have what kind of bank, what kind of bank provides what kind of service." "The bank savings of the past are like mineral water, suitable for all ages, fair trade." And now the bank's wealth management products are already very rich. He takes wine as an example to illustrate that wine, wine, beer, champagne and so on, and each type of wine is divided into different kinds. such as liquor has a high degree of wine, low alcohol.　　Financial products have high risk and low risk, there are long-term short-term financial products and so on. In his view, the relevant government departments of the various rules and regulations, such as alcohol can not be sold to children, the bank's high-risk products can not be sold to Low-risk customers, it is a suitable principle. "But this is not enough, more crucially, the customer." If customers know nothing about their own liquor, but have to drink, it may be very low alcohol will let it lie drunk. And if the wine is good, you have to be self-righteous to give him a low alcohol drink, he will be very not enjoyable. "" is to reduce the degree of separation between the stakeholders and the controller. We now front desk customer marketing link and in the Backstage Risk control link, the post responsibility should be clear, the risk responsibility boundary must be clear, but they should close the communication and the close contact, but is not mutually separates, mutually independent, this is more important aspect.　　A few days ago, the chairman of the CBRC expressed the same view. "So the key is investor education. "Yin Long to Beijing Bank of the financial public action greatly praised. "It is not enough for investor education to rely solely on the CBRC, it is more important that the joint efforts of the whole society, such as banking and media, be realized," he said. According to Yin Long, now the national financial management population of 70 million. According to the Treasury statistics, as of June 20, the major banks issued a total of 2,381 financial products, including 1866 RMB financial products, foreign exchange management products 506, other financial products 9. Significantly less than last year's release. This year, the major banks issued financial products mainly in the short term, less than 1 months of financial products dominate the trend.