20 trillion, the bank funds outside the port concentration anatomy city commercial firm how to push -www.tc165.cn

20 trillion bank outsourcing capital city commercial port agglomeration anatomy as a promoter of how sina finance App: Live on-line blogger to tutor you say stocks contest 60 million trainee reporter Ye Maisui Guangzhou reported 20 trillion bank outsourcing impulse Bank report has been disclosed after dialysis, type L in the economic environment, how to bank looking for revenue path pressure significantly. And the bank by entrusting the external institutions investment, has become a general impulse, the amount of funds gathering is obviously superimposed. How about a large number of bank outsourcing flows, will it be the next wave of foam dancers? According to the information disclosed by China Merchants Bank, in the first half of this year, China Merchants Bank’s Commission assets amounted to 231 billion 230 million yuan, an increase of 24.43% compared with the beginning of the year. Why outsourcing business suddenly explosive growth? CITIC construction analyst Yang Rong in an interview with the twenty-first Century Economic Herald reporter pointed out that, mainly upstream "water full" to blame. Bank financing and proprietary business scale is very large, asset allocation pressure is not small. Hundreds of thousands of asset configuration requirements derived from the outsourcing demand far exceeds the current market capacity. Banks have limited capacity to undertake, so through the trust plan, fund channel product form of cooperation. The outsourcing of funds, the so-called outsourcing business, also known as entrusted investment business, refers to the trustee entrusted funds to the external institutional managers, the external institutions managers in accordance with the scope of the active management of investment business model. The trustee obtains the benefit of the investment management according to the agreement, and the manager usually charges the management fee with the fixed management fee rate and the excess performance division. At present, the outsourcing business fund provider is mainly commercial bank financing and self financing. How large is the size of the outside the bank? According to Shenwan Hong bond research department estimates senior analyst Meng Xiangjuan, product comprehensive bank angle and capital angle, according to the end of 2015 the balance of all financial products totaling 23 trillion and 500 billion yuan standard estimates, as of the end of 2015, the bank overall outsourcing (funds to invest in non-standard business including channel type and active management) the size of about 20 trillion yuan. Among them, the scale of funds for finance is 5 trillion and 170 billion yuan, and the scale of financial management in the five major state-owned banks is 2 trillion. The head of a medium-sized joint-stock bank asset management department, in an interview with the twenty-first Century Business Herald reporter, said that they started late, but now there are nearly 50 billion of the scale. "Last year, our outsourcing scale doubled compared with 2014. In the first half of this year, the scale of bank financing continued to grow at the rate of two digits, and the corresponding scale of outsourcing will continue to grow. Bank is now more taboo outside the Commission, the specific scale is really not good estimate. However, according to the fund companies and securities companies to undertake the situation, the conservative estimate at least 10 trillion." According to the information disclosed by China Merchants Bank, in the first half of this year, China Merchants Bank’s Commission assets reached 231 billion 230 million yuan, an increase of 24.43% compared with the beginning of the year. The formation of the largest outsourcing scale of city commercial banks around the Bank Committee

20万亿银行委外资金端口集聚解剖 城商行咋成推手 新浪财经App:直播上线 博主一对一指导 你说了算 上炒股大赛分掉6000万   见习记者 叶麦穗 广州报道   20万亿银行委外冲动透析   银行中报已陆续披露完毕,在经济L型的大环境下,银行如何寻找营收路径,压力明显。而银行通过委托外部机构投资,成了一个普遍性的冲动,集聚的资金额度在明显叠加。大量的银行委外流向如何,会不会成为下一波泡沫舞者?   据招商银行披露的信息显示,今年上半年招商银行的委外资产高达2312.3亿元,相比年初增加了24.43%。   委外业务为什么会突然爆发式增长?   中信建投分析师杨荣在接受21世纪经济报道记者采访时指出,主要是上游“水满”惹的祸。   银行理财和自营业务的规模非常庞大,资产配置压力不小。数十万亿的资产配置需求派生出的委外需求远超目前的市场容量。银行的承接能力有限,因此通过信托计划、基金通道产品形式进行合作。   委外资金暴增   所谓委外业务,也称为委托投资业务,指委托人将资金委托给外部机构管理人,由外部机构管理人按照约定的范围进行主动管理的投资业务模式。委托人按照协议约定获得投资管理的收益,管理人一般以“固定管理费率加超额业绩分成”的方式收取管理费。目前,委外业务资金提供方主要是商业银行的理财及自营资金。   银行委外的规模到底有多大?据申万宏源债券研究部资深高级分析师孟祥娟估算,综合银行角度和资管产品的角度,按照2015年末各银行理财产品余额共计23.5万亿元的标准来测算,截至2015年底,银行全口径委外资金(投向包括通道类的非标业务和主动管理类)的规模约为20万亿元。   其中理财资金的委外规模为5.17万亿元,国有五大行的表内理财规模2万亿。   一家中型股份制银行资产管理部的负责人在接受21世纪经济报道记者采访时表示,他们起步较晚,不过到现在也有近500亿的规模。   “去年我们行的委外规模相比2014年翻了一倍,今年上半年银行理财规模继续以两位数的速度增长,相应的委外规模也会继续增长。银行现在也比较忌讳谈委外,具体的规模确实不好估算。但是根据基金公司和券商承接的情况来看,保守估计至少有10万亿以上。”   而据招商银行披露的信息显示,今年上半年招商银行的委外资产高达2312.3亿元,相比年初增加了24.43%。   城商行最大委外规模的形成   围绕银行委外的暴增趋势,博时基金副总经理邵凯在接受21世纪经济报道记者采访时也表示,资产荒的背景下,银行理财规模暴增。2014年末银行理财的规模在15万亿、2015年末接近25万亿,而最新的规模预计已经接近30万亿。最新可是半年30亿,超过了去年全面总量,可见增长非常快。   邵凯表示,虽然说这样的高增速后面会慢下来,但是绝对规模快速扩张的过程还会延续很长时间   除了上述原因外,深圳一家基金公司的市场部负责人还补充了一个重要原因:免税。即通过基金理财产品的形式,委外本身可节约大概31%的税费。   从委外资金的来源来看,委外资金中股份制银行和城市商业银行占据了绝大多数。   根据普益标准的研究员林富美对2015年1月-2016年2月银行理财产品数据分析发现,股份制银行和城市商业银行的银行理财委外投资规模明显增加,合计占比高达75%以上。其中,城商行的理财产品选择投资委外的数量居首,占近50%。股份制银行次之,国有银行在数量上占比仅14.63%。在平均收益率方面,目前城商行居首可达4.55%,股份制银行达到4.36%,农村商业银行和国有银行较为逊色。 进入【新浪财经股吧】讨论相关的主题文章: