Recently, Qingdao Banking and Insurance Regulatory Bureau announced on the same day three Zhang Pairs BANK OF QINGDAO Administrative punishment of warning given by staff. These three staff members are respectively responsible for the illegal behaviors of the Bank of QINGDAO in the mutual transaction of wealth management products to adjust the income, the illegal behaviors of handling credit card business and the illegal behaviors of misappropriation of personal online loan funds.
Last year, BQD Wealth Management, a subsidiary of the Bank of QINGDAO, focused on "zero breaking net".
It is in two thousand and twenty-two year twelve According to the investor relations activity record form in August, the net value of its issued wealth management products is stable, and up to now, the wealth management products have broken through zero. In its release of "BQD Wealth Management" two thousand and twenty-two In the Review of Key Words in, "Zero Breaking Net" also ranked first.
2022 At the end of the year, affected by the double killing of stocks and bonds, the net value of bank financial products fluctuated significantly, and the phenomenon of breaking the net value was also obvious.
By 2022 eleven month seventeen The existing financial products in the whole market are thirty-four thousand three hundred and sixty-seven Only (including those issued by banks and bank financing subsidiaries), the cumulative unit net worth is less than one The cleaning products of one thousand eight hundred and thirty-nine Only, proportion 5.35% 。 Among them, there are one thousand one hundred and seventy-six Only broken products come from twenty-six Financial subsidiaries, accounting for 63.94% 。 However, BQD financing is not included. according to Wind Data, last year eleven month one Solstice eleven month seventeen Today, none of the products with net value update of BQD Wealth Management were broken.
This kind of feeling is like buying shares and making money when the market is falling, which is a "false prosperity".
However, several tickets issued by the Qingdao Banking and Insurance Regulatory Bureau have torn this illusion apart.
2022 At the end of the year, BQD was fined for eleven violations six hundred and five 10000 yuan, of which one violation is "mutual transaction of wealth management products to adjust income".
Generally speaking, the mutual transaction adjustment income of financial products refers to an operation that uses the income of other financial products to make up for the income of some financial products with poor performance, so that the yield or redemption yield of the product is higher than the actual.
2018 The Measures for the Supervision and Management of Financial Management Business of Commercial Banks issued by the CBRC in clearly stipulates that commercial banks should ensure that each financial management product corresponds to the invested assets when conducting financial management business, and that each financial management product should be managed, accounted for and accounted for separately, and should not carry out or participate in rolling issuance, collective operation Fund pool financing business with separate pricing characteristics.
This behavior is similar to "robbing Peter to pay Paul". Different products "learn from each other" and perfectly achieve positive benefits for all products.
The regulator has imposed penalties on BQD and relevant staff. from two thousand and twenty-two year twelve month thirty So far, BQD has received nineteen Zhang ticket, of which, fourteen The punishment object of Zhang's ticket is all the employees of BQD, and the causes involved in the violation include misappropriation of personal loan funds in violation of regulations, taking responsibility for the illegal behavior of Bank of QINGDAO Co., Ltd. in regulating the income from financial product mutual transaction, etc. The supervisor has given him administrative punishment of warning.
The recent three tickets issued by the Bank of Qingdao Insurance Regulatory Commission also indicate that the bank“ zero There are some potential violation risks behind "Breaking the Net".
The myth of "zero breaking the net" continues, according to WIND Data, as of two thousand and twenty-three year three month fifteen Excluding the products without net worth display in the past six months, BQD Financial is recording thirty-seven None of the products were broken. Among them, the products with the highest total return rate since this year are two thousand and twenty Young bank financial management is open to bright life struggle (open for one year).
Financial management in BQD APP Search related products on the website, of which the series of bright life struggle is scheduled to open weekly A Fund C And F The net worth curves of the past year are relatively smooth.
2020 In, BQD contributed ten A wealth management subsidiary, BQD Wealth Management, was set up with 100 million yuan. According to the official website of BQD Financial Management, two thousand and twenty-two At the end of the year, the scale of management products and investment assets of BQD Wealth Management respectively reached two thousand and eight 100 million yuan two thousand one hundred and thirteen 100 million yuan.
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Editor in charge: Li Linlin
