” history of the highest ” bank financial management fee income 2 million 300 thousand ban-kisstudou

The history of the highest " " financial management fee: 2 million 300 thousand return bank take 950 thousand "for your money, this is the advertising language commonly used to promote their banks to issue financial products at. However, behind the name "for your money", part of the bank management fee income already earned pours. Bank financial products hidden investment management fee how many? Most calculating bank have to produce a "confusion", only a few banks in a single product payment notice of disclosure of the relevant information. "Securities Daily" reporter noted that recently from the western region of a city firm disclosure of data, even if the current average return rate of financial products has dropped substantially, but the bank’s management fees are not soft, close to 2 million 300 thousand yuan of investment income, the bank took 950 thousand yuan. Financial excess yields lower management fees still exist for investors to buy financial products yields high "tips" in the important point and holidays has been gradually losing, financial products yields fell steady tendency. While the Banking Financial Registration Center released "China managed banking financial market report" shows that the first half of 2016, closed customer payment of financial products yields show a downward trend, the customer payment annualized rate of return from an average of about 4.2% in early fall to about 3.7% on average. Bank financial products yields lower, part of the bank’s investment management fees are not corresponding "downsizing" — a firm in a city in September 12th just due to the payment of financial products announcement shows that nearly 2 million 300 thousand yuan of investment income, the bank took 950 thousand yuan (including management fee of 945 thousand yuan and 5 thousand yuan fee), customer payment the revenue of less than 1 million 350 thousand yuan. According to estimates, the ratio of the actual income of the customer and bank charges is about 1:0.7, that is to say, in the product’s total investment income, the bank does not need to occupy the capital, no need to take risks, but pulled out more than 40% of the income. "Securities Daily" reporter to a number of financial banking products investors asked and understand that although rationality does not fully agree with the management fee, but the majority of investors to accept the management fee of roughly between 10%-20% yield financial products, which is 1:0.1 to 1:0.2. As mentioned above, the "1:0.7" by the majority of respondents believe that "hard to imagine". More seriously, this is not accidental cases. The another financial products in September 6th due payment announcement shows that customers receive the annual yield of 4.25%, the investment income of about 1 million 520 thousand yuan, while the bank charges a total of about 980 thousand yuan, the ratio of the actual income of the customer and bank earnings is about 1:0.64. From the bank disclosed the financial products portfolio, which is to invest all bonds, management difficulty and the risk is relatively controllable. In addition, the bank has stressed that financial products in the specification, the reference measurement on the basis of the annual yield is according to the duration of the underlying assets of the investment income minus the corresponding management cost income "; on the other hand, also said that if the product obtained the actual rate of return does not meet the reference annualized rate of return, the product development money

"史上最高"银行理财管理费:收益230万银行拿95万“为您理财”,这是银行推介其发行的理财产品时常用的广告语。然而,名义上“为您理财”的背后,部分银行管理费收入早已赚得盆满钵满。银行理财产品隐含的投资管理费究竟有多少?大多数精于计算的银行都交出了“糊涂账”,仅有少数银行在单个产品兑付公告中披露了相关信息。《证券日报》记者注意到,从近日西部地区某城商行披露的数据来看,即使目前银行理财产品平均收益率已经大幅度下降,但是银行的管理费收得却不手软——接近230万元的投资收益,银行拿走了95万元。理财收益率走低超额管理费犹存对于投资者来说,在重要时点和节假日购买理财产品收益率高的“小窍门”渐渐失效,银行理财产品收益率一直呈现稳中有跌的态势。而银行业理财登记托管中心发布的《中国银行业理财市场报告》显示,2016年上半年, 封闭式理财产品兑付客户收益率呈现出下降的趋势,兑付客户年化收益率从年初的平均4.2%左右下降至平均3.7%左右。银行理财产品收益率走低,部分银行的投资管理费却并未相应“瘦身”——某城商行一款9月12日刚刚到期的理财产品兑付公告显示,接近230万元的投资收益,银行拿走了95万元(含94.5万元的管理费和0.5万元的托管费),兑付客户收益不足135万元。据此测算,客户实际收益与银行收费的比值约为1:0.7,也就是说,在产品的投资总收益中,银行无需占用资金、更无需承担风险,却抽走了逾四成的收益。《证券日报》记者向多位银行理财产品的投资者询问并了解到,虽然并不完全认同管理费的合理性,但是多数投资人能够接受的管理费大致在理财产品收益率的10%-20%之间,也就是1:0.1至1:0.2之间。如上所述的“1:0.7”被多数受访者认为是“难以想象的”。更为严重的是,这并不是偶发的个案。该行另一款9月6日到期的理财产品的兑付公告显示,客户获得的年化收益率为4.25%,获得的投资收益约152万元,而银行收取的费用合计约98万元,客户实际收益与银行收益的比值约为1:0.64。从银行披露出来的上述两款理财产品的资产组合来看,其投向全部是债券,管理的难度和风险还是比较可控的。此外,银行一方面在理财产品说明书中强调,“参考年化收益率的测算依据是根据拟投资基础资产存续期内收益减去相应管理成本所得”;另一方面,又表示“若产品实际获得的收益率未达到参考年化收益率,则产品发行人不收取产品管理费”。按照银行的逻辑,管理费是否存在是不确定的,银行却能够根据不能确定存在与否和数额区间的管理成本测算出给投资人的参考年化收益。“事实上,预期的年化收益率通常是银行在发行理财产品当时愿意承担的资金成本,与后续收取的管理费在数额上并不是稳定相关的,但是为了留存超过预期收益率的实际投资收益,银行需要一个名正言顺的说法”,某股份制银行人士对《证券日报》记者坦言,“因此银行大多以上述减法的形式表述预期年化收益率。”当然,也并非所有的银行都能实现上述可谓史上最牛的管理费费率。《中国银行业理财市场报告》显示,2016年上半年,银行理财市场累计兑付客户收益4723.8亿元,同时相关银行业金融机构实现理财业务收益950.3亿元,客户收益与银行收益的比值约为1:0.2。超额投资收益究竟应该属于谁对于银行收取投资管理费究竟是否“于法有据”,业界一直存在争论,本报也曾对此进行报道。从银行的角度而言,“合同事先约定”无疑是其王牌的抗辩理由,从目前的实践来看,监管部门对此也暂未表示异议。“超预期收益变成银行的投资管理费涉及两个法律问题,其一是归属问题。由于它是通过投资者资金的投资行为产生的,所有权其实应该属于投资者,商业银行目前是通过合同中的霸王条款改变了所有权;其二是信息披露问题,即便商业银行在合同中约定了归属权的转移,也应该事先明确告知投资者超预期收益可能有多少,投资者可以根据以往同类产品的超预期收益情况判断是否接受银行变更所有权的约定”,资深法律界人士曾对《证券日报》记者表示。“其实,大多数银行理财产品的实际收益率都高于预期,但银行通常不会特意提醒客户,只有在客户主动询问时才会进行回应”,一位国有大行人士对《证券日报》记者表示,“在目前理财产品刚性兑付的背景下,银行要求锁定超额收益其实应该是可以理解的,因为在刚性兑付的潜规则下,银行实际承担了大部分的投资风险,即便出现投资损失,银行也要向投资者进行兑付。那么,银行自然也有权要求锁定投资者能够获得的最高收益上限。当然,收取的具体比例还有待商榷。"扩展视频(本视频与原文无关,仅作参考) 你的银行账户里,每年一笔不该扣的小钱相关的主题文章: