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paper代写-Independent investment advisory business in the UK

2019-06-10 | 来源:51due教员组 | 类别:Paper代写范文

下面为大家整理一篇优秀的paper代写范文- Independent investment advisory business in the UK,供大家参考学习,这篇论文讨论了英国的独立投资顾问业。独立投资顾问业起源于英国,并在英国的金融服务业中占据了绝对主导地位,其主要通过服务准则、资质管理、费用明示等机制保证了其提供投资建议的客观中立性。

Independent investment advisory,英国独立投资顾问业,英国论文代写,论文代写,paper代写

As the center of international finance, Britain's financial products investment consulting service industry is quite developed and perfect. In the fund industry, for example, a much higher proportion of funds are bought through investment advisers than through Banks and brokers. At present, there are more than 11,000 investment advisers in the UK and more than 26,000 investment advisers. The funds sold through them account for nearly 90% of the total share of all funds, among which more than 20 relatively large independent financial advisers basically control the whole sales market. The independent investment consultant model originated in the UK and occupies an absolute dominant position in the financial consulting service industry in the UK. This is mainly because the mode of independent investment adviser can effectively make the investment adviser recommend products to customers from a neutral and fair standpoint, and it is easy to establish long-term trust relationship with customers, and at the same time, it can also reduce various risks brought by direct sales of fund managers.

UK investment advisers are generally divided into three categories: independent investment advisers, exclusive product underwriters and multiple product underwriters.

Generally speaking, independent investment advisers have no direct equity relationship with financial product providers. After comprehensive, objective and independent research on the whole market, they provide investors with unbiased investment advice and provide investors with the most suitable financial products according to their own investment orientation. The comprehensiveness of the products provided by independent investment advisers and the objectivity of investment research and advice are the most important characteristics that distinguish them from other investment advisers. In order to ensure the scientific and objectivity of IFA provides advice, IFA is first to understanding of the customer, they will ask a series of carefully designed in detail to the customer good questions, these questions involving the basic situation of investors, investors financial goals, investor attitude to risk and so on, these are the basis of IFA do investment advice for customers.

Such agents include certain bank branches or financial institutions associated with financial product providers, and they only recommend the financial products of this affiliated institution. Although financial products agents have their own limitations, but sometimes in the price may give customers a greater discount, so it is still favored by many investors.

In order to provide investors with more choices, the investment advisory industry has emerged the institutional arrangement of multiple product underwriters, that is, financial institutions that originally sold only one product can sell the financial products of several companies. This kind of investment adviser falls in between the first two, and it is limited to recommend some financial products selectively. They only choose financial products suitable for customers within the range of products they sell. Investors only need to consider whether they can find the products they like, and do not need to spend time researching the whole market to find the "best" products.

In recent years, with the increasing number of financial products such as investment, mortgage, pension, insurance and so on, the decision-making of financial asset investment has become more and more complicated for most non-professional investors, and people need an expert to guide them. Against this background, independent investment advisers have grown at an alarming rate. There are more than 9,000 lfas in the UK, according to the IFA, and they are spread across the country, making it easy for investors to find one nearby.

Providing "appropriate investment advice" to investors is the service principle of IFA. From the perspective of customers, the biggest feature of IFA is to choose suitable financial products for investors, which is also the magic weapon to ensure that IFA is invincible in the fierce competition. Therefore, IFA must match the needs and risk expectations of investors when recommending products to them. This means that they must have a good understanding of the investor's needs and investment situation before they can help investors choose investment products, and must provide written reasons for their recommendations to ensure the objectivity and neutrality of their recommendations.

Express cost detail sheet, ensure investor enjoys sufficient right to know. Investment advisers' income mainly comes from two sources: consulting fees from investors and commissions from product providers. There are three main ways for investors to pay consulting fees to investment advisers: direct payment to investment advisers according to the amount of work done: usually by the hour or after the two parties have negotiated a price for the whole work, the payment by the hour is mostly 50 pounds to 200 pounds per small period. Usually the first half hour free, in order to facilitate mutual understanding and understanding. Indirect commission payment: this is where the provider of the product collects a fee from the client's assets and returns it to the investment adviser in the form of a commission. This is often referred to as trailing commissions. A combination of commissions and consulting fees: an investment adviser's total income comes partly from direct investment fees paid by his clients and partly from commissions. Such a wide variety of fees makes it hard for investors to compare the prices of two investment advisers. In order to curb this phenomenon, Britain's financial services authority explicitly requires investment advisers to state their fee bills to clients when they first seek services from them. The stated price will also encourage investors to look at different investment advisers to find the best fit. This system makes the independent investment advisory system more competitive than other types of investment advisers.

Qualification management of independent investment advisers. Now all Financial investment advisers need to pass the Cer -- tificate in Financial Planning or other exams qualified to provide Financial investment advice. However, CFP and the previous Financial Planning Certificate are the most basic qualifications. In various business fields, investment consultants will have corresponding professional qualification examination and obtain the qualification.

China's booming economy has led to rising incomes and a wealthy class is emerging. According to the 2004 world wealth report jointly released by merrill lynch and capgemini, the number of wealthy people in mainland China increased by 12 percent to 23 percent by the end of 2003 compared with 2002. With 60,000 people, it is the second largest concentration of millionaires in Asia after Japan. These high-value people have strong financial desire and investment ability. Residents also showed a strong interest and demand for personal finance. For example, the questionnaire survey conducted by China social survey office in Beijing, tianjin, Shanghai and guangzhou in 2003 showed that 74% of respondents were interested in personal finance services, and 41% needed personal finance services. This corresponds to the underdeveloped financial market in China. The vast majority of assets in the hands of Chinese households are savings, accounting for 69 percent of the distribution of RMB financial assets. 41%, 10% stocks, 4 treasuries. 36%, savings insurance accounts for 4. 20%, housing fund balance accounts for 4. 12 percent, cash on hand, 3 percent. 70 percent, lending 3 percent. Forty-one percent. Securities are zero. 49%, 0. 32%. Strictly speaking, savings can't be regarded as financial management, because it can't effectively play the function of "money generates money", so residents' financial management ratio is very low. One of the main reasons for this situation is the lack of residents' financial awareness and financial knowledge. Therefore, it can effectively improve residents' financial management ability to develop investment consultant behavior in China, establish scientific financial management concept and master basic financial management knowledge. Through the analysis of the operation mechanism of the UK independent investment adviser, there are many inspirations for the development of China's investment advisory industry:

Promote the construction of multi-level financial service system, the introduction of more specialized independent investment advisory firm, financial products, professional sales company to enter the financial service system, realize the diversity of service, to change the present stage is given priority to with Banks, brokerages, insurance companies, promote the establishment of independent investment advisory firm in the domestic and business development.

Moderately reduce the entry threshold for sales agents of funds, insurance and other financial products, and open the channel for investment advisory companies or independent investment advisers to enter this field. China's current higher access system has severely restricted the development of this field. If the investment consultant company obtains the fund sales qualification, it needs the registered capital of more than 30 million yuan, which makes most investment companies unable to carry out this business. Too few practitioners in the market will lead to insufficient competition and hinder the development of the industry.

Strengthen the training and management of investment consultants, and carry out the professional qualification training and qualification certification of financial planners in China as soon as possible, so as to lay a talent foundation for business development.

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