銀保監(jian)(jian)會副主席曹宇6日在2019青(qing)島(dao)·中國財富論(lun)壇上表示,銀保監(jian)(jian)會將(jiang)突出監(jian)(jian)管重點,督促引導理財子(zi)公司起好步、亮好相、開好頭。
曹宇(yu)介紹,一是堅(jian)(jian)持(chi)嚴格(ge)監管。銀保監會(hui)將持(chi)續督促理財(cai)子公(gong)司(si)秉承商業銀行審慎穩健(jian)經(jing)營(ying)理念,在起步階段樹立合(he)規(gui)(gui)意識(shi)和文化(hua)。在日常經(jing)營(ying)中,始終堅(jian)(jian)持(chi)依法依規(gui)(gui)展(zhan)業、強化(hua)行為約束(shu),健(jian)全風控體系、夯實內控基礎,敬(jing)畏風險、敬(jing)畏規(gui)(gui)則,堅(jian)(jian)定走好(hao)健(jian)康可持(chi)續發展(zhan)道(dao)路。同(tong)時,理財(cai)子公(gong)司(si)業務創(chuang)新(xin)和產品創(chuang)新(xin),必須有利于支持(chi)實體經(jing)濟、有利于防范金(jin)融風險、有利于保護投資(zi)者合(he)法權益,更好(hao)滿足多樣化(hua)金(jin)融需求。
二是堅持維(wei)護公(gong)平(ping)(ping)競(jing)爭(zheng)(zheng)(zheng)。銀保監會將在資管新(xin)規統一規制(zhi)的(de)(de)基(ji)礎上,進(jin)一步(bu)加強(qiang)與相關部門的(de)(de)協調配(pei)合,消除制(zhi)度性洼地,維(wei)護公(gong)平(ping)(ping)競(jing)爭(zheng)(zheng)(zheng),支持理財子公(gong)司明(ming)確定位、錯位競(jing)爭(zheng)(zheng)(zheng),走市(shi)場(chang)化(hua)、專業化(hua)發展道路,實現與各類資管機構(gou)優勢互補和(he)功能(neng)協同,共同創建良(liang)性競(jing)爭(zheng)(zheng)(zheng)、有序協作的(de)(de)公(gong)平(ping)(ping)市(shi)場(chang)環境(jing)。
三是(shi)堅持保護投資(zi)者(zhe)(zhe)(zhe)合(he)法權益。要準確評估(gu)把握投資(zi)者(zhe)(zhe)(zhe)的(de)風險(xian)偏(pian)好(hao)和實(shi)際承受(shou)能力,強化對銷(xiao)售(shou)行為和渠(qu)道管(guan)控(kong),確保投資(zi)者(zhe)(zhe)(zhe)適當性(xing)管(guan)理落到實(shi)處(chu)。同時,要更加重視投資(zi)者(zhe)(zhe)(zhe)教育,普及理財知識(shi)(shi),培育風險(xian)意識(shi)(shi),樹立(li)科學審慎的(de)投資(zi)理念,切(qie)實(shi)保護投資(zi)者(zhe)(zhe)(zhe)合(he)法權益。
曹宇介紹,截至(zhi)目前,6家大型銀(yin)(yin)行(xing)均已(yi)(yi)獲批設立(li)子公(gong)(gong)司(si),4家已(yi)(yi)開業;全(quan)(quan)國性股份制銀(yin)(yin)行(xing)已(yi)(yi)全(quan)(quan)面展開相關工(gong)作,其中3家正在(zai)籌建(jian),光大銀(yin)(yin)行(xing)還計(ji)劃將青島(dao)(dao)市作為(wei)理財子公(gong)(gong)司(si)注冊地,以實際(ji)行(xing)動支持青島(dao)(dao)財富管理試驗區建(jian)設。與此同時,城(cheng)市商業銀(yin)(yin)行(xing)的理財子公(gong)(gong)司(si)設立(li)工(gong)作已(yi)(yi)開始(shi)起步,農村商業銀(yin)(yin)行(xing)、外資銀(yin)(yin)行(xing)等也在(zai)積(ji)極推進。
對于銀行(xing)業(ye)、保(bao)險(xian)業(ye)的(de)資(zi)(zi)管(guan)(guan)業(ye)務,曹(cao)宇表示,經過十多(duo)年的(de)探索實踐,我國銀行(xing)業(ye)、保(bao)險(xian)業(ye)資(zi)(zi)管(guan)(guan)業(ye)務已逐步形成具(ju)(ju)有(you)自身特色的(de)發(fa)展(zhan)理念、市場(chang)定位、功能(neng)優(you)勢(shi)和專業(ye)積累。截(jie)至一季度末(mo),銀行(xing)業(ye)、保(bao)險(xian)業(ye)資(zi)(zi)管(guan)(guan)產(chan)(chan)品(pin)余(yu)額合計近44萬(wan)億(yi)(yi)元(yuan),占資(zi)(zi)管(guan)(guan)市場(chang)總規模的(de)55%。具(ju)(ju)體來看,銀行(xing)理財(cai)產(chan)(chan)品(pin)余(yu)額22萬(wan)億(yi)(yi)元(yuan)、保(bao)險(xian)資(zi)(zi)管(guan)(guan)產(chan)(chan)品(pin)余(yu)額2.6萬(wan)億(yi)(yi)元(yuan)、信托公司資(zi)(zi)金信托余(yu)額約19萬(wan)億(yi)(yi)元(yuan)。相關(guan)業(ye)務正按(an)照監管(guan)(guan)要求主動(dong)優(you)化投(tou)資(zi)(zi)結構,呈現出更穩健和可持續的(de)發(fa)展(zhan)態勢(shi)。
曹(cao)宇認為,銀(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)、保(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)資管(guan)(guan)業(ye)(ye)(ye)務(wu)具有(you)自(zi)身的(de)(de)特(te)點和(he)優勢(shi)(shi)。首先是(shi)(shi)(shi)長期穩健經營形成的(de)(de)產品(pin)信(xin)(xin)譽優勢(shi)(shi),其次(ci)是(shi)(shi)(shi)緊(jin)密貼近客戶形成的(de)(de)網絡(luo)渠道優勢(shi)(shi),再次(ci)是(shi)(shi)(shi)有(you)嚴格審(shen)慎(shen)監(jian)(jian)管(guan)(guan)形成的(de)(de)合規管(guan)(guan)理優勢(shi)(shi)。曹(cao)宇強調,銀(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)、保(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)資管(guan)(guan)業(ye)(ye)(ye)務(wu)發(fa)展具有(you)堅實的(de)(de)制(zhi)(zhi)度(du)(du)保(bao)障(zhang)。銀(yin)保(bao)監(jian)(jian)會(hui)一直注重(zhong)完(wan)善(shan)優化監(jian)(jian)管(guan)(guan)規則(ze),筑牢制(zhi)(zhi)度(du)(du)柵欄(lan),明確傳遞(di)監(jian)(jian)管(guan)(guan)政策導(dao)向,不(bu)斷強化市場機構的(de)(de)合規意識和(he)自(zi)覺實踐。特(te)別(bie)是(shi)(shi)(shi)在(zai)資管(guan)(guan)新規發(fa)布實施(shi)后,在(zai)銀(yin)行(xing)(xing)(xing)(xing)(xing)理財方(fang)面,銀(yin)保(bao)監(jian)(jian)會(hui)及(ji)時制(zhi)(zhi)定(ding)出(chu)臺《商(shang)(shang)業(ye)(ye)(ye)銀(yin)行(xing)(xing)(xing)(xing)(xing)理財業(ye)(ye)(ye)務(wu)監(jian)(jian)督管(guan)(guan)理辦法(fa)(fa)》《商(shang)(shang)業(ye)(ye)(ye)銀(yin)行(xing)(xing)(xing)(xing)(xing)理財子(zi)公(gong)司(si)管(guan)(guan)理辦法(fa)(fa)》等配(pei)套(tao)(tao)細則(ze),明確落實資管(guan)(guan)新規要求(qiu),督促指導(dao)銀(yin)行(xing)(xing)(xing)(xing)(xing)理財業(ye)(ye)(ye)務(wu)整改和(he)轉型,堅定(ding)推(tui)進銀(yin)行(xing)(xing)(xing)(xing)(xing)理財子(zi)公(gong)司(si)改革。在(zai)保(bao)險(xian)(xian)(xian)資管(guan)(guan)方(fang)面,抓緊(jin)制(zhi)(zhi)定(ding)《保(bao)險(xian)(xian)(xian)資產管(guan)(guan)理產品(pin)業(ye)(ye)(ye)務(wu)管(guan)(guan)理暫(zan)行(xing)(xing)(xing)(xing)(xing)辦法(fa)(fa)》,并針對(dui)組合類(lei)資管(guan)(guan)產品(pin)、債權投資計劃(hua)和(he)股權投資計劃(hua)分別(bie)制(zhi)(zhi)定(ding)了配(pei)套(tao)(tao)細則(ze)。目(mu)前,相關工作已基(ji)本完(wan)成,正在(zai)按(an)立法(fa)(fa)程序抓緊(jin)推(tui)進。在(zai)信(xin)(xin)托業(ye)(ye)(ye)務(wu)方(fang)面,正在(zai)起草《信(xin)(xin)托公(gong)司(si)資金信(xin)(xin)托管(guan)(guan)理辦法(fa)(fa)》等制(zhi)(zhi)度(du)(du)規則(ze),形成以監(jian)(jian)管(guan)(guan)部門為主體(ti),行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)協會(hui)自(zi)律(lv)功能、信(xin)(xin)托登(deng)記(ji)公(gong)司(si)市場約束功能、信(xin)(xin)托業(ye)(ye)(ye)保(bao)障(zhang)基(ji)金保(bao)障(zhang)機制(zhi)(zhi)為補充的(de)(de)信(xin)(xin)托業(ye)(ye)(ye)風險(xian)(xian)(xian)防控體(ti)系。
中(zhong)(zhong)證(zheng)(zheng)(zheng)網(wang)(wang)聲明(ming)(ming):凡本(ben)(ben)網(wang)(wang)注明(ming)(ming)“來源:中(zhong)(zhong)國證(zheng)(zheng)(zheng)券報(bao)·中(zhong)(zhong)證(zheng)(zheng)(zheng)網(wang)(wang)”的(de)所(suo)有作品(pin),版權(quan)均屬(shu)于(yu)(yu)中(zhong)(zhong)國證(zheng)(zheng)(zheng)券報(bao)、中(zhong)(zhong)證(zheng)(zheng)(zheng)網(wang)(wang)。中(zhong)(zhong)國證(zheng)(zheng)(zheng)券報(bao)·中(zhong)(zhong)證(zheng)(zheng)(zheng)網(wang)(wang)與作品(pin)作者(zhe)聯合(he)聲明(ming)(ming),任何(he)組織未經中(zhong)(zhong)國證(zheng)(zheng)(zheng)券報(bao)、中(zhong)(zhong)證(zheng)(zheng)(zheng)網(wang)(wang)以(yi)及作者(zhe)書(shu)面(mian)授權(quan)不(bu)得轉載(zai)(zai)、摘編或利用其(qi)它(ta)方式使用上(shang)述(shu)作品(pin)。凡本(ben)(ben)網(wang)(wang)注明(ming)(ming)來源非中(zhong)(zhong)國證(zheng)(zheng)(zheng)券報(bao)·中(zhong)(zhong)證(zheng)(zheng)(zheng)網(wang)(wang)的(de)作品(pin),均轉載(zai)(zai)自(zi)其(qi)它(ta)媒體,轉載(zai)(zai)目的(de)在于(yu)(yu)更好服務讀者(zhe)、傳遞信(xin)息之需,并不(bu)代表本(ben)(ben)網(wang)(wang)贊同其(qi)觀(guan)點,本(ben)(ben)網(wang)(wang)亦不(bu)對其(qi)真實性負責,持異議者(zhe)應與原出處單位主張權(quan)利。
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