Big Asset Management also allows the general public to choose trustworthy institutions to manage deposits, funds, insurance and other wealth. Below, the editor of SmartView will tell you what capabilities fund companies are tested in the era of big asset management.
The meaning of big asset management
Big asset management is a general reference to the current environment of China’s asset management industry. Due to the continuous liberalization of supervision, the asset management industry has entered a stage of further competition, innovation and mixed operation. From a public perspective, large asset management allows ordinary people with small assets to choose trustworthy institutions to maintain and increase the value of their assets.
What capabilities of fund companies will be tested in the era of big asset management? 2015 is coming to an end. During this year, the capital market has experienced ups and downs, and the asset management industry has also been greatly affected. In the context of interest rate liberalization, monetary funds are advancing rapidly, and fund companies must respond quickly, not only to respond to industry changes, but also to plan for the future forward-looking. Qiu Chunyang, deputy general manager of GF Fund, said recently at the 2015 Fund Marketing Development Seminar hosted by China Securities Investment Fund Yearbook and co-organized by GF Fund.
In Qiu Chunyang’s view, the era of big asset management has given rise to the rapid development and business diversification of the asset management industry. Fund companies may have to consider three questions: First, test the fund company’s rapid response capabilities. For many business opportunities, the actual time left for the asset management industry is often one month or even half a month. The rotation of business hot spots is getting faster and faster, which is a bit like capturing hot spots in investment. Secondly, the fund industry has a large stock of funds. Under the complex product management form, product management, optimization and matching of new and old funds have become important issues for current fund companies, thereby improving operational efficiency through internal integration. Third, strengthen the depth and effectiveness of channel cooperation and accelerate cooperation with small and medium-sized institutions. In the future, the sales system of fund companies may face more opportunities than challenges.
It is generally believed in the industry that in the era of big asset management, competition among various financial institutions is becoming increasingly fierce and product supplies are becoming more abundant. Fund companies need to continuously innovate products to meet the individual needs of investors.
In terms of meeting the individual needs of investors, Hu Lifeng of China Galaxy Securities Fund Research Center said at the forum that customer needs require a comprehensive and in-depth analysis. The "needs" of individual customers are unreasonable, but in order to satisfy them, the sales organization has done a lot of things that seem reasonable in the short term but are inconsistent with the rules in the long term, and have also developed many structured products. ?Risks and returns are symmetrical, and many of the so-called ?pain points? lack rules. Of course, customer needs are diversified and need to be met, but they must be identified to meet mainstream, appropriate, and regular needs. ?Hu Lifeng said.
In terms of stratification and applicability of fund products, Hu Lifeng believes that fund management companies make basic fund products, and the products are divided into two levels: basic funds and financial management funds. There is no distinction between good and bad, only applicable Sexual distinction. Standard stock funds, standard bond funds, standard currency funds, etc. These are standard funds measured by relative return targets. You can also create hybrid financial funds such as absolute return target funds and capital-guaranteed funds. Take standard stock funds as an example: I personally think it is not enough to increase the minimum position ratio of stock funds from 60% to 80%. It is best to increase it to 90%, so that fund managers and fund managers can feel at ease and concentrate on selecting stocks. . The customer feels that he has almost made enough money and feels that there is a risk, so he should redeem it himself. If the customer fails to redeem or settle down, it means that the sales organization has failed to fulfill its service responsibilities. ?Hu Lifeng said that fund managers provide basic products, sales channels provide services, and implement professional division of labor.
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