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什么网可以买彩票:"After T +0" era: fund electricity business people to be flexible

时间:2018/1/20 0:49:52  作者:  来源:  浏览:0  评论:0
内容摘要:Four years ago, the balance of balance Yu Bao, attracted menacing Internet finance. \n? Whetherfund companyinternal e-commerce sector, or ex...

Four years ago, the balance of balance Yu Bao, attracted menacing Internet finance.

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Whether fund company internal e-commerce sector, or external third-party fund sales platform, have been involved in the so-called flood of fund sales changes.

\n?In the past four years, the fund business has also become the fastest growing four years. The overall scale of the public offering expanded rapidly to 11 trillion yuan. Monetary Fund became the biggest contributor.

\n?However, the times change instantaneously. At the beginning of last year, the new liquidity regulation strengthened supervision of the Monetary Fund from all quarters, and regulators issued 18 orders at the end of 2017 to strictly monitor all aspects of the rapid expansion of the cargo base .

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Heavy exertion, the impact of rapid fermentation. The broadcast of the returns of the fund companies of various fund companies has disappeared silently. More and more, small and medium-sized fund company e-commerce team members self-deprecate "disbanding" just around the corner.

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After experiencing the growth of grass-roots driven by cargoes, the fund electricity supplier is ushering in a brand-new era of change. In this seemingly calm but undercurrent of change, the pace of adjustment has become an irresistible choice of fund business people.

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Times New E-commerce Team "殇"

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Monetary Fund will continue to do?

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After the issuance of a number of regulatory directives on freight bases, the issue of how Monetary Fund should develop in the future has become the first consideration for the e-commerce sector of fund companies.

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Monetary funds headed by Yu-Po have inspired the golden age of fund e-commerce development over the past four years. In 2017, in particular, the Monetary Fund ushered in an unprecedented eruption. With the exception of the Monetary Fund, almost all the fund companies focused their efforts on the e-commerce sector.

\n?However, the issuance of 18 supervisory orders for cargo-based regulation at the end of last year has caused the fund's electricity-commerce sector to suddenly face unprecedented regulatory challenges. In the cargo-based publicity is limited and no longer included in the statistics of fund management companies and many other provisions, whether the fund business to give up business expansion in this area?

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The answers are varied. For the large holdings of large fund companies, the freight base is still not to give up the "fertile soil." According to the reporter, a number of major fund companies, including E Fund and the South, have plans to continue to expand their monetary fund business. One of them, at an internal annual meeting, stressed even more: "Monetary funds are still the most effective assets of public funds" , Bluntly to continue to expand the cargo-based business.

\n?Xiao Yi (a pseudonym), a major fund company's electricity supplier, told reporters that the market demand exists for the cargo base. There is still plenty of room for large companies to abandon this position.

\n?Xiao Yi explained that after the "T + 0" rule that no additional channels can be added, his team quickly evaluated that although "T + 1" was less convenient than "T + 0" T +1 acceptance is actually not bad, and its docking company's willingness and enthusiasm and did not reduce the dock. So its team will still view the freight base as a very important business direction and step by step according to the market pace of cooperation with partners to meet the needs of this part of the customer as much as possible.

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For major fund companies, the electricity supplier team, the adjustment of freight-based business or just from the "high profile" to "low profile", and more to consider the balance of scale and income, after all, the stock is no longer included in the management of fund companies Ranking, at the expense of income to rush to scale irrational behavior no longer necessary.

\n?However, small and medium-sized fund companies are facing less optimism. Xiao Yi said that some small and medium fund companies in order to develop the monetary fund e-commerce business in the first two years just recruits and horses to form a team, and now the performance has not been made, the effect has not yet been highlighted, but encountered serious supervision of the cargo base directly into embarrassment The situation.

\n?Xiao Yi said that these companies e-commerce team basically in the transition is not the dilemma of choice. "If we do not transform, we should not sell the money fund because these companies do not have the stock size and the income is limited. And the transformation of non-monetary products, but also with the performance of the company linked to poor performance can not sell. The situation will inevitably result in the loss of staff, but where is the loss of staff? This is another problem. "

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E-commerce practitioners for small and medium-sized fund companies, the pressure is indeed great. Zhang Ting (a pseudonym) who originally worked for the e-commerce department of a small fund company in Shanghai chose to change jobs because it was hard to reach the assessment index. She said frankly that its annual cargo-based indices are assessed on the basis of billions of dollars and basically need to find institutional customer support to complete. If they later sell their rights and interests, it is even more difficult to imagine how to do this.

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In fact, in 2016, fund e-commerce has experienced quite a bleak period after its fanatics. As e-commerce sales have been on the rise, and require huge upfront investment and maintenance, resulting in long-term revenue balance can not be achieved, coupled with the prevailing market conditions when the cold, fund sales fell, many fund companies began to shrink the e-commerce sector. Some companies have reduced the establishment of e-commerce departments. In particular, the loss of e-commerce employees in small-fund companies has drastically decreased. Many newly established companies have no choice but to set up e-commerce businesses directly.

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However, the hot cargo base in 2017 so that the fund e-commerce has rekindled enthusiasm, small and medium fund companies fund business sector expansion again normal. Now, the situation is reversed again and more thoroughly than before. Everything back to normal, small fund companies business ebb.

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Matthew effect, once again verified in the field of e-commerce fund. To stay, the fund e-commerce business people can only make a silent choice.

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Acceleration to non-stockpile

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Accelerating the lean toward non-freight-based products on the basis of retaining freight business has become the common choice of the fund's e-commerce team. This is undoubtedly a new change in the fund area.

\n?Xiao Yi said that I call this "after T +0" era. The so-called "T + 0" era means that the application of "T + 0" and the scale of outbreak will be greatly restricted after the supervision tightening of "T + 0", but the "T + 0" service itself Already great, although it must be strictly regulated, T + 0 business will exist for a long time in this era. Based on this, the fund company needs to study other products suitable for the new market environment in addition to the basic disk. In particular, fund companies can provide partners with more tool products such as index products, absolute revenue products , FOF products, etc., which will have a lot of room for further development in the next phase of fund e-commerce.

\n?In fact, in the recent two years, quite a number of fund e-commerce departments have started to tilt their fixed incomes to equity interests. The new regulatory measures undoubtedly accelerated this progress. And since the fourth quarter of 2017, the frequent appearance of explosive funds of equity funds has given birth to the improvement of the emphasis placed by the electricity supplier sector on equity products.

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A number of fund companies interviewed pointed out to reporters that in the future, the Company will shift its focus to non-monetary products on the basis of meeting the demand of clients for the monetary fund.

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Large companies still have unparalleled advantages. Li Di (a pseudonym) from a Shenzhen-based e-commerce businessman pointed out that large fund companies or fund companies that have done a good job in Internet finance over the past two years are stock-holding advantages and the professional advantages of these companies' e-commerce practitioners Also higher. Future fund e-commerce In the process of switching from the Monetary Fund to the non-Monetary Fund, the pace of these companies will be more advanced.

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The Changing E-commerce Challenges for E-commerce players have also increased. The aforementioned Xiaoyi told reporters bluntly that the complexity of fund e-commerce work has obviously risen, and the demands on e-commerce personnel have also been greatly different.

\n?Xiao Yi said: "Monetary funds are too simple and all aspects of publicity are standardized. However, non-monetary funds are completely different because there are so many different types of products and non-monetary funds are going to be sold to different investors and involve investment The appropriateness of the problem, how to promote to customers, how to explain the different styles of investment products and investment risks, etc., which adds a lot of complexity to our work, the difficulty will naturally increase. "

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In the view of Xiao Yi, future qualified fund e-commerce personnel should have a wide range of professional knowledge. It may only need to know the basic rules of the IMF and the basic operating rules of the money market. Now it is necessary to understand the overall securities market Operation rules, understand the basic characteristics of different strategic products, propose different investment tools according to the needs of different investors, and even have some understanding of the technology and greatly enhance the requirements.

\n?It is noteworthy that due to the non-goods-based products tilt more, many e-commerce sector assessment system has also been adjusted accordingly, of which management fee income assessment accounted for increased proportion.

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Li Di said the foregoing, "the original assessment of the electricity supplier department may be a little more than the scale of management fee income is not so much assessment of this assessment, now speaking both the scale and revenue, and now our company is here Although the final indicators have not been decided yet, the general direction is that both income and quantity are required. This will also prompt us to accelerate the business expansion of non-freight-based products. "

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New era of public offering e-commerce

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A higher direction behind the tilt toward non-cargo is that this is a new era for e-commerce providers.

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If the wave of the development of this wave of fund e-commerce driven by the previous balance treasure is regarded as the old era, now is the starting point for the fund e-commerce to enter a new epoch with asset allocation as the core direction. In the past era, to seize the traffic port has become the competition focus, and in the new era, fund e-commerce competition comes from the fund company all-round development, not just selling a product so simple.

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Intelligent Investment Advisory is considered to undertake the next fund e-commerce revolution most likely carrier. A large fund company in Guangzhou, said the electricity supplier, we have prepared for this more than a year, regulatory guidance is also accelerating in this direction, in fact, many companies have been coming out with products one after another. The future is not simply sales of a product, smart investment future is sure to rely on the Internet platform.

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Xiao Yi mentioned above also believes that although it is a bit over-arrogant now, it really is an important direction. However, it is necessary to make further observations on how many meaningful things can actually be made. He pointed out that this is a market cultivation problem. Market to a stage there will be a custom training, training to a certain extent after the customer approved, this product can burst a certain vitality. Smart Investment Consolidation Smart Fixed Investment There will be a market prospect in the future. We are investing a lot in this area. Our team has other energies besides the IMF.


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