The Report Of Research Fund Distribution Business Of ZG Bank HN Branch

With the rapid development of our country’s economy, the residents, the strengthened financial management concept has become increasingly strong demand for investment. Especially in our country due to the lack of mature social security system for a long time, people formed the frugal style of high savings, low consumption, Residents of the country’s26trillion savings for the industry development of our country have laid a solid foundation. Since birth first fund company in1998, China’s fund industry has reached16years. With the rapid development of China’s economy, the public funds from scratch, since the childhood, increasingly standardized investment management, fund size has grown, nav average annual compound growth rate of40%, far higher than GDP growth, investment in people life plays an increasingly important role. Commercial Banks through its vast customer team and channel resources, and the habit of Chinese people like to go to a bank to deal with financial business, become the most main channel industry fund to sell goods on a commission basis. After2010, public funds in a more mature steady wind and rain after the twists and turns. At the same time, there is no denying the fact that the commercial Banks and also sold in public funds investment trust weakening, market influence, the net purchase, continuous low fund assets, shrinking, the network direct selling serious problems such as shunt. It also let us increasingly feel a sense of crisis, we are thinking about how to break the development bottleneck of the industry, develop in the fierce competition.In mid-december, bank fund consignment business HN province branch as the research object, collect the bank fund consignment business statistics in recent years, comprehensively and objectively introduced mid-december, HN province branch of the bank fund consignment business development present situation and challenges. In order to deeply analyze the status quo of the causes, this article from the fund investors, fund products, fund fees, fund marketing present situation and the appraisal system and so on five latitude on the influencing factors of the bank agency fund business development were analyzed one by one, summarizes the reasons which restrict the development of the current fund consignment business, And phase under the bank fund consignment business vigorously, optimization of fund sales organization put forward the constructive Suggestions. Hope this paper research and analysis for future ShengHang level provides the theory basis for commercial Banks to carry out the fund consignment business and operational guidelines, and to explore the future commercial Banks fund consignment business feasible Suggestions are put forward.