中行推出“理财夜市”

Bank of China introduced"Financial night market"

　　近期，为延伸理财渠道和服务，中行推出“理财夜市”功能，将大多数理财产品的正常购买时间延长至晚上9点，其中，晚上8点至晚上9点为挂单业务（其中“中银日积月累日计划”15:30-21:00为挂单业务）。目前中行“理财夜市”可销售的产品包括“中银日积月累日计划”“中银日积月累月计划”“中银平稳理财计划”等产品。“理财夜市”比较适合白天工作繁忙的上班族、或者资本市场收市后，投资者可以结合市场走势确定更合理的投资目标。

recent,For extension financing channels and service,Bank of China introduced"Financial night market"function,Most financial products will be the normal buy time extended to 9 PM,the,8 PM to 9 PM for business use(the"Boc accumulate over a long period daily plan"Large 21:00 - for business use).Bank of China at present"Financial night market"Marketable products include"Boc accumulate over a long period daily plan""Boc accumulate over a long period monthly plan""Boc stationary financial planning"And other products."Financial night market"Is suitable for the job is busy by day, an office worker/Or capital market after closing,Investors can combined with market trends to determine a more reasonable investment objectives.

　　点评：今年以来包括中行在内的多家银行推出“理财夜市”，部分收益较高的产品一经推出就被抢购“秒杀”。与传统柜台销售相比，“理财夜市”存在产品募集期短、认购渠道便捷、产品收益率较高等三大优势，准确切中消费者最直接的需求，是银行拓展业务平台的创新尝试。

Comment on:Since this year, including bank of China, many Banks launch"Financial night market",Part of the income is higher product once launched by scare buying"Seconds kill".Compared with traditional counter sales,"Financial night market"Existing product raising period is short/Subscription channel convenient/The product yields higher three big advantage,Accurate to the consumer is the most immediate needs,Is a bank expand business platform innovation try.

　　IMF担忧中国影子银行风险

IMF concerns China's shadow bank risk

　　10月10日，国际货币基金组织（IMF）在日本首都发布《全球金融稳定报告》。IMF对中国非银行中介的信贷风险、流动性错配和道德风险提出了警告，尤其是信托和理财产品的相关风险。

On October 10,,The international monetary fund(IMF)Released in the Japanese capital[Global financial stability report].IMF to China non-bank intermediary credit risk/Liquidity mismatch and moral risk has warned,Especially trust and financial product related risks.

　　点评：对于影子银行放量增长，一方面有声音认为，此系中国目前的金融监管存在盲区，使得非银金融机构可打擦边球；另一方面有观点认为，影子银行的存在属市场博弈的结果，在客观上弥补了现有体制中某些职能的缺失。加紧更深层次的金融改革，或才能让货币资金切实进入实体经济的一把钥匙。

Comment on:For shadow Banks tumbled growth,On the one hand a voice think,This is China's current financial regulation exists blind area,Make the silver financial institutions can play edge ball;On the other hand with a view,The existence of the shadow Banks is the result of the game market,Objectively make up for some of the existing system, the lack of the function.To a deeper level of financial reform,Or to make money funds into the real economy and one of the keys.

　　部分银行设立贷款催收部

Part of the bank loan collection department set up

　　据报道，包括国有大行、股份制银行在内的多家银行不断补充人手和经费，在总行、分支行层面新设独立的贷款催收处置部门。

According to the report,Including state-owned large line/The joint-stock Banks, many Banks constantly supplement manpower and funds,Head office in/Those new level set independent loan collection disposal department.

　　点评：在业内人士看来，在当前经济胶着状态下中小企业贷款逾期或欠息上升的情况恐怕难以回避，在普遍面临如何玩转保全资产质量与提高资本回报率的跷跷板挑战之时，单纯的加大清收回款的力度或只是银行目前紧要但非最重要之事。如何在当前环境中认清形势、了解客户，构建一整套涵盖市场开发、风险控制的有效商业模式，恐怕才是决定谁能最终胜出的关键所在。

Comment on:In the personage inside course of study looks,In the current economic conglutination state small and medium-sized enterprise loan overdue or debit interest rise situation I'm afraid hard to avoid,In common face how to play preservation assets quality and improve the return on capital of the seesaw challenge,Simple increase recovery returns strength or just bank at present matter but not the most important thing.In the current environment how to recognize the situation/Understand customer,Constructing a whole set of covers market development/Risk control is effective business model,I'm afraid is to decide who can win the key.