和讯网消息 日前，独立第三方财富管理机构高傅财富CEO陈维忠在接受和讯网访谈时表示，有一些海外的国家是有统一的一个监管的机制，但是不同的国家有不同的需求，如果金融行业各个领域本身在道德方面、在产品审批上，以及服务的水平方面加强一些自我的监管，这对老百姓或许会是一个更有效的监管。

HeXunWang news recently,Independent third party wealth management institution Gao Fu CEO Chen Weizhong said when accepting HeXunWang interview,Have some of the nation is united overseas a regulatory mechanism,But different countries have different needs,If the financial industry itself ethics in every field/On the product approval,Level of service and strengthen some of self regulation,The people may be a more effective regulation.

　　以下为访谈实录：

The following interviews for records:

　　和讯网：但是金融混业经营它必然会带来金融机构行业一个跨市场的行为增多，这样也会导致监管上出现一些新的问题，比如说监管空白，甚至是监管的重叠，那您觉得从监管方面怎样的一种体制会更适合未来的这种趋势？

HeXunWang:But it will inevitably bring financial mixed management in financial institutions industry a cross-market behavior increases,It would also lead to some new problems on regulation,Such as regulatory gaps,Even the regulatory overlap,Do you think from regulatory how a system will be more suitable for the trend in the future?

　　嘉宾：可能拿海外的一些经验来说，有一些海外的国家可能是有统一的一个监管的机制，这方面比如说香港的这种也是一个合适的方法，但是我觉得可能不同的国家有不同的需求，国内现在目前有很多监管的部门，说混乱也不一定是，但是也有可能是有一些好像主持人说空白或者重叠的地方，这个我觉得是需要不停的去更新与讨论，但是更重要可能是行业本身可以做一些自我的监管，现在比如说第三方这个行业只是有很多第三方的架构跟公司，只是不一定说非常适合做第三方中立理财这样一个服务，行业本身如果有一些在道德上一些自我的监管，在产品的审批上有一些自我的监管，还有这个服务的水平上面有一些自我的监管的话，这个可能会是对老百姓一个更有效的监管。

The guest:May take some experience in overseas,Some overseas countries may be have a unified regulatory mechanism,This aspect such as Hong Kong this is also a suitable method,But I think maybe different countries have different needs,Now there are many domestic regulatory department,Also is not necessarily said chaos,But there may be some blank if the host says, or areas of overlap,I think this is the need to constantly to update and discussion,But even more important may be industry itself can do some self regulation,This industry is only now, for example, the third party has a lot of third-party architecture with the company,Just don't say very suits to do a third party neutral financing such a service,Industry itself if there is some morally some self regulation,In the examination and approval of product, there are some self regulation,And the service level with some self regulation,This may be a more effective regulation of ordinary people.

　　和讯网：刚才您也提到监管的一些方式，比如说更多的从自律上着手，其实金融混业它也是有利有弊，在当前销售体制还不是特别完善和规范的情况下，大规模的放开渠道也可能对市场带来一定的风险，建立好防火墙也就特别的重要，除了道德方面的一个自律，您还有什么其他的一些看法？

HeXunWang:Just now you also mentioned that some of the ways regulation,For example the self-discipline on more begin,Actually the financial mixed it is also a weakness,In the current marketing system is not very perfect and specification,Massive open channels may also bring some risk for the market,Establish good firewall also is particularly important,In addition to the moral aspects of a discipline,Do you have any other opinion?

　　嘉宾：我觉得刚才提到了一些行业自我监管方面的话，从道德上面也好，从一些服务上面的标准也好，这个都可以定下来，去帮助这个行业有一个稳健的发展，另外一方面就是说，老百姓本身可能也需要更多的一些培育，这个方面的话，只是从行业本身还有监管，还有我们国家的一个领导方面，也可以多加一些从老百姓那边的一些培育，让他们知道什么是一些好的理财服务，好的理财规划，什么是一些好的产品、风险等等，还有配合他们自己的一些个人的要求，这方面的话也让老百姓增加对理财这个产品的规划与管理的概念，这样的话其实也可以减低他们自己个人投资跟理财规划的一些风险。

The guest:I think just mentioned some industry self regulation,From a moral or above,Some services from the standard or above,This can be decided,To help the development of the industry have a solid,On the other hand is to say,Common people itself may also need more some breeding,This aspect,Just from the industry itself and regulation,There is a leadership of our country,Also can add some more from the people there some cultivation,Let them know what is some good financial service,Good financial planning,What are some good products/Risk, etc.,And with some of their own individual requirements,This aspect also let people increase in financial management, the concept of the planning and management of this product,So it can reduce some of their own personal investment and financial planning risk.

　　和讯网：第三方理财机构它也是财富管理时代的一支重要的力量，那面对未来这种混业的趋势，您觉得咱们这个行业该如何去应对？

HeXunWang:Third-party financial institutions it is also an important force in the era of wealth management,That in the face of the mixed trend in the future,What do you think we how to deal with in this industry?

　　嘉宾：首先像我们高傅第三方来说，我们的定位就是跟高端的客户做一个很好的理财规划的配置跟服务，我们觉得其实以后的市场，当很多不同的渠道都开放了，可以做这样的一个业务的时候，那个服务是非常重要的一个定位，我们的客户群也是定位在一个高端的客户，那么我们以后的一个差异化在这个市场肯定就是在这个理财服务，还有一些增值服务，包括比如说我们怎么样帮助一些很高端的客户做移民，这个海外的一些子女的教育方面，还有比如说遗产方面的传承等等，这方面的话都是一些高端客户会考虑到的一些不同的理财需求，所以这方面的话，第三方理财公司像高傅这样的话，我们就会帮他们做很多这样的一些考虑和安排，这样他们可以达到他们人生的一些目标，这个才是以后市场会很重要的一个变化。

The guest:As we first Gao Fu for third parties,Our positioning is high-end customers with a good configuration and financial planning services,When we actually think of the market,When many different channels are open,Can do a business like this,The service is a very important location,Our target customers are positioned in a high-end customers,A differentiation in the market so we must be in the financial services,There are also some value-added services,Including, for example, how can we help some high end clients to do immigration,The overseas education aspects of some of the children,Such as heritage of tradition and so on,This words are some high-end customers will consider some of the different financial needs,So this aspect,Third party finance company like Gao Fu,We will help them do a lot of such consideration and arrangement,So that they can achieve their goals in life,This is a change to the market will be very important in the future.

　　和讯网：根据您刚才的介绍，高傅的业务覆盖面还是比较综合的，覆盖了客户人生规划的各个层面的一些理财的需求，我们了解到大部分第三方理财公司的收入结构主要还是依赖信托，包括PE私募这一块，但是2012年这些领域也爆出了很多的风险和问题，那它们的发行量也在大规模的减少，对于未来业务拓展这一块，高傅财富有没有什么新的发展计划？

HeXunWang:According to your introduction just now,Gao Fu business coverage is comprehensive,Cover the customers of all aspects of life planning some financial management requirements,We know that most of the third party finance company income structure is main or rely on the trust,Including PE PE,But in 2012, these areas also broke a lot of risks and issues,That their circulation is also decreased in large scale,For future business development,Gao Fu wealth for any new development plan?

　　嘉宾：这方面我们以后的发展当然还是针对高端客户私人的一个理财规划的要求，那么在海外的经验来说，只是很多的私人理财的这个服务化，不但只是从产品的佣金上面有一个收入，在它的产品的资产的增长方面，其实很多的第三方法也会从中拿一个所谓表现的费用，就是说基金，比如说升值了25%，那中间有一笔费用的话也可以给第三方，因为它推荐一个很好的产品，让投资者可以有一个很好的收益，这方面也是一个收入的来源，那未来这个市场在国内也有可能有这种局面发生。目前来说，我们目前还是比较偏向说把我们的理财规划服务做好，我们也有一个会员的收费的体制。

The guest:The development of course is aimed at high-end customers after we one of the private financial planning requirements,The experience abroad,Just a lot of private financial management of the service,Just from the commission on the basis of the above products are not only an income,In terms of its product asset growth,Many of the third method may also be taken a so-called performance fees,That is to say funds,Such as appreciation of about 25%,That there is a fee can also be to a third party,Because it is recommend a good product,Allows investors to have a very good income,This is also a source of income,The future in this market could also have this kind of situation happen in China.For the moment,We are still preferred said to our financial planning services,We also have a membership fee system.

　　和讯网：是怎么一个体制？

HeXunWang:What is a system?

　　嘉宾：我们有一个年度的一个会员的收费，那么这个收费的话其实也包括我们帮客户提供一个很好的理财的分析，还有这个理财规划的一个报告，然后还有一些理财资产的配置等等，它是用一个收费的模式提供给我们的会员这种服务，还有一些其他的社交平台等等这样的一个服务，这个也是我们未来的收费来源的一部分，那么我们除了私人客户以外，也集中在一些企业方面的理财的发展，比如说企业其实很多也有一些资金需要比较妥善的一些安排，拿到最好的回报，但是也有很多企业，比如说需要一些保险上面的安排，特别是中小企业这方面，对他们的人事上的保险的安排的话，不一定是很妥善，那么这方面我们也是针对一些中小企业市场，帮他们安排他们资金的运作，还有人事上的保障，公司上的一些保障等等的安排，最后还有跟一些银行，特别是一些小的城商银行，我们也有很多的一些合作，帮他们也建立一些理财这样的一些业务，让它们可以打破传统的存款跟贷款的一个业务的模式。

The guest:We have a year of a membership fee,So the charge is including we also help provide a good financial analysis,And the financial planning of a report,And then there are some configuration of financial assets and so on,It is a charge pattern to provide this service to our members,There are some other social platforms, etc. Such a service,This is a part of our future source of fees,So we in addition to private clients,Also focus on some aspects of financial development,Such as enterprise in fact many also have some of the money need some more properly arrangement,Get the best returns,But there are also many enterprises,Need some insurance for the above arrangement,Especially small and medium-sized enterprises,Arrangements for their personnel of the insurance,Is not necessarily very properly,So that we are for some small and medium-sized enterprise market,Help them schedule their capital operation,And the security personnel,Some security and so on the arrangement of the company,Finally, with some Banks,Especially in small city commercial bank,We also have a lot of some cooperation,For they also built some of the money that some business,Allow them to break the traditional deposit and loan of a business model.

　　和讯网：那目前机构业务这块，咱们的规模是怎样一个比例呢？就是在咱们整个业务体系当中。

HeXunWang:The agency business at present,Let's how the size of a proportion?Is in our whole business system.

　　嘉宾：机构业务跟银行的业务可能比例还是相对比较小一点，因为我们是去年才开始的这种业务模式，所以目前主要还是针对私人客户这方面的发展，但是以后我们相信在银行方面的发展跟一些比如说投融资项目的发展的话，那个比例也会有增长。

The guest:Institutions with the bank's business may be proportion is still relatively small,Because we are the last year to this kind of business model,So at present mainly for private clients in this area,But since we believe that with some aspects of the development in the bank for investment and financing the development of the project,The proportion will have growth.

　　和讯网：对这块也还是很重视的。

HeXunWang:For this also attaches great importance to.

　　嘉宾：对。

The guest:for.