“三方共赢”——第三方理财机构新型赢利模式

"Tripartite benefit"——the third party financial structure new style profit institute

第三方理财机构,以其站在客户角度独立地分析客户财务状况和理财需求,判断所需投资工具,并提供综合性的理财规划服务的独特服务模式,在欧美国家早已成为理财市场不可或缺的一部分,其在理财行业立场中立、能力卓越、服务范围较大等特性,理论上在我国也应有广阔的市场前景。然而,我国第三方理财由于起步晚、缺乏政策扶持、尚未匹配到对口需求等原因,其发展轨迹可谓一波三折。本文通过将第三方理财机构的发展需求、特殊人群的理财需求与政府的维稳需求联系在一起,构建了"三方共赢"的理财模式,并就其优点进行了探讨。

IFAs（Independent Financial Agencies/Advisors） have become an important component of financial market in Europe and the US,with its unique service model that analyze clients’ financial demand,judge suitable investment products and provide synthesized financial planning service.IFAs have many advantages,such as neutral position,excellent ability and large service scales.Theoretically,IFAs will get a broad market prospect.However,IFAs have not performed well since their appearance in China,just because they start later than Banks’ financing,lack support of relative policies,and have not matched special demand.This paper associated the demand of IFAs development with the demand of special groups financing and government,builds a new model—＂Triple-win＂ that IFAs provide services for special populations or special funds with the help and regulatory by government,and discusses the advantage of this model.