第三方财富管理公司如何走出影子银行的阴影

How Do Third-party Wealth Management Companies Get Out of “Shadow Banking”

近年来,我国的高资产净值人群对市场提出了财富管理需求,这为第三方财富管理公司提供了良好的客户基础和发展空间。由于我国相关法律约束和行业发展不成熟,第三方财富管理市场普遍存在非法集资、设立资金池、抽逃资金等现象。财富管理行业监管应当规范第三方财富管理机构的准入标准和注册制度,对其主营范围、从业人员资格考核、风控制度、信息披露制度、资金存管标准、利率定价等各项进行监控。明确第三方财富管理公司信息服务中介的性质,规范经营模式。保持以金融中介的功能出现,以客户为中心,针对高净值客户提供定制化金融服务与咨询,充分激活民间资本,服务实体经济。

In recent years,the high net-worth individuals in China have put forward the demand of wealth management for the market,which provides a good customer base and development space for third-party wealth management companies. However,due to our country＇s legal constraints and the immature industry,the third-party wealth management market has been rife with illegal fund-raising,setting up capital pools,and withdrawing funds.Wealth management industry regulations should standardize the access standards and registration system of the third party＇s the governing body; and monitor its main business scope,practitioners qualification assessment,risk control system,information disclosure system,funds depository monitoring standard,interest rate pricing,etc. It should clarify the nature of information service intermediary of the third-party wealth management company,and standardize the business model. It also should maintain the function of financial intermediation,keep customer-focused,provide customized financial services and consulting to high-net-worth clients,fully activate private capital and serve the real economy.