兴业银行理财产品开辟特色"兴"路 管理和研发双轮驱动

Was established in August 1988, societe generale was started in 2003 launched personal finance business, as one of the earliest domestic pioneer in conducting wealth management business, the bank together with the domestic investors witnessed the vigorous development of China's financial market.

Decade, societe generale wealth value demand around customers, continue to intensify financial product innovation and distribution, and constantly enrich and extend financial management product line, launched "special plan", "Wan Libao everyday", "Wan Libao" and "cash" and a series of financial brand, open up gives a personal financial management business characteristics "xing".

???? Management and r&d two-wheel drive

Reporter learned that, in terms of investment decision, the bank's personal finance business is given priority to with fixed income structure, investment in areas such as Treasury bonds, central bank bills, money market instruments, and other various types of fixed income instruments, etc. At the same time, the bank take advantage of its business portfolio management, for domestic customers to create the value of the stable investment income. Through many years of management work, societe generale accumulated rich experience in local and foreign financing business investment decisions, and also established a full set of professional, a clear division of responsibilities of personal financing business management system and professional research team.

In terms of personal finance business management system, the bank financial product design and sales channel specialization of the business process. By, for example, is responsible for the sales channels to collect customer requirements at the front desk department, is responsible for the design of the back office to provide decision support products, to ensure products meet customer requirements. In terms of investment research analysis, societe generale relying on Shanghai international financial center in the human resources advantage, continuous introduction of asset management, investment banking, quantitative analysis and financial engineering professionals, has formed a professional team of investment decisions and product design team, mainstream consulting institutions at home and abroad in close cooperation, in the scientific analysis of financial product facing the macro situation, monetary policy, fiscal policy and, on the basis of changes in market interest rates expected, according to financial products, the pursuit of low risk, liquidity and steady income, prudent judgment of each type of investment varieties of liquidity, profitability and risk profile, active portfolio management. Based on the effective decision-making investment management, "everyday Wan Libao" series of products issued by the bank, became the earliest implementation "year 365 days, every day to buy" one of personal finance products.

???? Yields to consolidate market competitiveness

In terms of product revenue, societe generale as a leader in wealth management, especially good at tailor fixed income products for customers. Such as uncertain investment horizon for investors, the bank innovation introduced type segments wealth management products. Customers can enjoy to the corresponding level according to the different investment period of fixed investment return, the longer the investment time limit, the income is also higher. This type of products take the way of daily purchase, the customer first subscribe after signing, can through the bank outlets or online Banks made the explain buy and redemptive, weekday explain buy and redemptive can arrive the same day. The design for the customer for the product the double need of liquidity and investment returns, just one out by the market. Bao no. 1 in the offering of "cash" wealth management products, for example, a customer can is dealt with explain buy and redemptive business every working day, considerably more than ordinary monetary fund liquidity, its client net return of 3.0%, according to data released on March 14, 2013), is in the same period published by the people's bank of China current deposit of 7.79 times, seven days notice deposit interest rate of 2.02 times, almost equal to half a year time deposit interest rates.

Since 2009, due to its wealth management products, stable investment profit, societe generale in mainstream financial media competitions, won consecutive "annual bank financial brand", "best bank wealth management products in China" and "money bank" of the year award.

???? Building quad "firewall"

In terms of risk management, according to the years of working experience in investment management, societe generale, in accordance with regulatory requirements, strictly regulate individual financing business operation process, control the business risk, realizes from the management level to the operating level of the overall process supervision and risk control, as the foundation of financial assets provide reliable "firewall".

In wealth management products created phase, societe generale has established the strict standards for admittance into assets, from the perspective of professional screening products based assets for their clients; During the duration of the financial products to customers on a regular basis to carry out the information disclosure; Upon the expiry of the wealth management products, through the mature and reliable technology systems to ensure clients' money timely liquidation of principal and interest into account, and thanks to enforce mandatory measures to completely eradicate the financial funds use party may misappropriate, client money got powerful guarantee of security. At the same time, it also use their risk control system, set up regular communication with counterparty mechanism, timely grasp the financial product based assets operation condition, ensure investments risk controllable.