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金融科技赋能下财富如何“管理”?这些大佬给了答案

来源: 南方日报网络版     时间: 2019年11月14日 08:33:07
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腾讯分分彩如何套利信誉老台子平台直属招商客服【QQ】【99045161】诚招代理【在线开户网址um298.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯5,10分欢乐生肖,最高返水100反9快,最高赔率。金融科技赋能下财富如何“管理”?这些大佬给了答案

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(互)(联)(网)(时)(代)(,借)(助)(互)(联)(网)(思)(维)(,用)(精)(细)(化)(的)(管)(理)(方)(式)(将)(客)(户)(流)(量)(留)(下)(来)(对)(券)(商)(来)(说)(势)(在)(必)(行)(。在)(毕)(志)(刚)(看)(来)(,对)(于)(有)(着)(极)(其)(强)(烈)(的)(互)(联)(网)(精)(神)(的)(年)(轻)(投)(资)(者)(来)(讲)(:“最)(重)(要)(的)(极)(致)(的)(用)(户)(体)(验)(,就)(是)(给)(投)(资)(者)(提)(供)(各)(种)(有)(趣)(的)(投)(教)(,必)(须)(好)(玩)(,不)(能)(太)(枯)(燥)(。在)(移)(动)(互)(联)(时)(代)(,让)(年)(轻)(的)(小)(白)(投)(资)(者)(去)(学)(习)(专)(业)(的)(技)(术)(指)(标)(是)(反)(人)(性)(的)(。”
中)(泰)(证)(券)(网)(络)(金)(融)(部)(总)(经)(理)(何)(波)(认)(为)(:“券)(商)(目)(前)(还)(没)(有)(自)(身)(真)(正)(意)(义)(上)(的)(流)(量)(平)(台)(,券)(商)(发)(展)(新)(用)(户)(,大)(部)(分)(是)(通)(过)(发)(行)(高)(回)(报)(的)(理)(财)(产)(品)(,目)(前)(很)(难)(通)(过)(现)(有)(的)(APP来)(建)(立)(自)(己)(的)(流)(量)(平)(台)(,需)(要)(另)(外)(创)(新)(,而)(要)(做)(到)(这)(一)(点)(,需)(要)(很)(大)(的)(勇)(气)(。要)(做)(到)(平)(台)(的)(差)(异)(化)(,不)(光)(是)(线)(上)(,线)(下)(营)(业)(部)(和)(分)(支)(机)(构)(的)(积)(极)(性)(也)(要)(调)(动)(起)(来)(。要)(把)(客)(户)(和)(产)(品)(本)(身)(的)(特)(色)(做)(到)(深)(入)(融)(合)(,让)(客)(户)(对)(投)(顾)(的)(黏)(性)(转)(为)(用)(户)(对)(我)(们)(产)(品)(的)(黏)(性)(。但)(是)(,对)(我)(们)(来)(讲)(我)(们)(前)(期)(最)(大)(的)(问)(题)(是)(增)(值)(服)(务)(体)(系)(没)(有)(建)(立)(起)(来)(,没)(有)(给)(用)(户)(差)(异)(化)(的)(东)(西)(,用)(户)(分)(层)(次)(之)(后)(给)(到)(他)(的)(东)(西)(就)(很)(少)(,所)(以)(我)(们)(先)(把)(投)(顾)(能)(力)(增)(值)(能)(力)(做)(好)(,后)(期)(再)(做)(分)(层)(。”
在)(谈)(及)(业)(务)(流)(量)(问)(题)(时)(,兴)(业)(证)(券)(信)(息)(技)(术)(部)(金)(融)(科)(技)(负)(责)(人)(王)(伟)(强)(表)(达)(了)(自)(己)(的)(看)(法)(:“由)(于)(技)(术)(门)(槛)(的)(降)(低)(,使)(得)(技)(术)(可)(以)(在)(更)(多)(场)(景)(得)(到)(应)(用)(。以)(前)(券)(商)(行)(业)(技)(术)(和)(业)(务)(的)(界)(限)(很)(明)(显)(,而)(现)(在)(两)(者)(的)(结)(合)(越)(来)(越)(紧)(密)(,这)(也)(带)(给)(我)(们)(更)(多)(的)(思)(考)(。做)(互)(联)(网)(业)(务)(就)(是)(经)(营)(流)(量)(,而)(经)(营)(流)(量)(就)(是)(抓)(客)(户)(,客)(户)(战)(略)(向)(用)(户)(战)(略)(转)(型)(。近)(两)(三)(年)(,我)(们)(也)(在)(往)(客)(户)(战)(略)(方)(面)(转)(型)(,做)(了)(很)(多)(工)(作)(。”
在)(讨)(论)(如)(何)(用)(技)(术)(去)(驱)(动)(券)(商)(业)(务)(的)(发)(展)(时)(,华)(泰)(证)(券)(网)(络)(金)(融)(部)(金)(融)(科)(技)(负)(责)(人)(刘)(兴)(谈)(到)(:“在)(效)(率)(提)(升)(这)(块)(,金)(融)(科)(技)(对)(券)(商)(的)(赋)(能)(已)(经)(差)(不)(多)(到)(了)(一)(个)(阶)(段)(。而)(另)(一)(方)(面)(,针)(对)(行)(业)(特)(点)(,技)(术)(可)(能)(会)(很)(大)(程)(度)(上)(改)(变)(我)(们)(决)(策)(的)(方)(式)(,所)(以)(从)(金)(融)(科)(技)(对)(券)(商)(持)(续)(赋)(能)(来)(讲)(,可)(能)(更)(重)(要)(的)(是)(怎)(么)(去)(加)(强)(投)(研)(能)(力)(的)(产)(品)(化)(和)(工)(具)(化)(。”
底)(层)(资)(产)(估)(值)(是)(FOF面)(临)(最)(主)(要)(问)(题)(私)(募)(资)(产)(配)(置)(基)(金)(三)(大)(问)(题)(待)(解)(
每)(经)(记)(者)(杨)(建)(每)(经)(编)(辑)(吴)(永)(久)(
近)(年)(来)(私)(募)(FOF发)(展)(迎)(来)(了)("井)(喷)("时)(代)(,而)(目)(前)(底)(层)(资)(产)(估)(值)(是)(FOF面)(临)(的)(最)(主)(要)(问)(题)(。在)(严)(监)(管)(的)(背)(景)(下)(,FOF的)(投)(资)(机)(遇)(在)(哪)(里)(呢)(?
9月)(19日)(,由)(《每)(日)(经)(济)(新)(闻)(》主)(办)(的)(2018中)(国)(券)(商)(行)(业)(高)(峰)(论)(坛)(上)(,在)(主)(题)(为)(“FOF、MOM的)(投)(资)(机)(遇)(”的)(圆)(桌)(对)(话)(中)(,北)(京)(市)(星)(石)(投)(资)(管)(理)(有)(限)(公)(司)(合)(伙)(人)(易)(爰)(言)(、招)(商)(证)(券)(资)(产)(管)(理)(有)(限)(公)(司)(副)(总)(经)(理)(易)(卫)(东)(、广)(发)(证)(券)(资)(产)(管)(理)((广)(东)()有)(限)(公)(司)(执)(行)(董)(事)(吴)(云)(鹏)(、上)(海)(景)(林)(资)(产)(董)(事)(总)(经)(理)(田)(峰)(等)(资)(深)(人)(士)(分)(享)(了)(他)(们)(的)(独)(到)(看)(法)(。
底)(层)(资)(产)(估)(值)(是)(FOF面)(临)(的)(最)(主)(要)(问)(题)(
今)(年)(以)(来)(FOF产)(品)(十)(分)(火)(热)(,做)(为)(资)(金)(方)(和)(基)(金)(管)(理)(者)(,过)(往)(实)(际)(操)(作)(中)(遇)(到)(的)(问)(题)(是)(如)(何)(解)(决)(的)(呢)(?星)(石)(投)(资)(合)(伙)(人)(易)(爰)(言)(指)(出)(,目)(前)(FOF产)(品)(底)(层)(资)(产)(配)(置)(上)(比)(较)(单)(一)(,从)(市)(面)(上)(几)(只)(网)(红)(FOF来)(看)(,主)(要)(还)(是)(以)(证)(券)(类)(FOF为)(主)(。在)(这)(种)(情)(况)(下)(,FOF在)(底)(层)(基)(金)(的)(选)(择)(上)(必)(然)(是)(在)(各)(个)(证)(券)(私)(募)(管)(理)(人)(之)(中)(优)(中)(选)(优)(。那)(么)(在)(行)(业)(中)(投)(资)(实)(力)(较)(强)(、合)(规)(风)(控)(好)(、信)(息)(披)(露)(度)(高)(的)(管)(理)(人)(有)(可)(能)(获)(得)(较)(多)(倾)(斜)(。但)(是)(在)(实)(际)(操)(作)(中)(的)(问)(题)(主)(要)(是)(:1,双)(20%规)(定)(使)(得)(产)(品)(设)(计)(灵)(活)(性)(受)(限)(;2,期)(限)(匹)(配)(使)(得)(产)(品)(投)(资)(范)(围)(受)(约)(束)(;3,资)(金)(端)(缺)(乏)(长)(线)(资)(金)(。
招)(商)(证)(券)(资)(产)(管)(理)(有)(限)(公)(司)(副)(总)(经)(理)(易)(卫)(东)(谈)(到)(:“FOF业)(务)(的)(发)(展)(跟)(我)(们)(预)(期)(有)(差)(距)(,其)(中)(一)(个)(原)(因)(是)(市)(场)(定)(位)(的)(问)(题)(,FOF天)(然)(是)(一)(个)(资)(产)(配)(置)(、风)(险)(分)(散)(的)(中)(低)(风)(险)(产)(品)(,他)(应)(该)(是)(面)(向)(机)(构)(客)(户)(、养)(老)(资)(金)(以)(及)(高)(净)(值)(人)(群)(的)(,但)(是)(行)(业)(过)(往)(理)(解)(的)(有)(一)(些)(偏)(差)(。第)(二)(个)(是)(投)(资)(团)(队)(和)(投)(资)(方)(法)(论)(的)(问)(题)(,跟)(股)(票)(投)(资)(和)(债)(券)(投)(资)(相)(比)(,FOF投)(资)(有)(其)(特)(殊)(性)(和)(专)(业)(性)(。一)(个)(好)(的)(FOF投)(资)(经)(理)(,不)(仅)(要)(理)(解)(市)(场)(的)(运)(行)(逻)(辑)(,要)(理)(解)(投)(资)(经)(理)(的)(投)(资)(逻)(辑)(,还)(要)(把)(二)(者)(结)(合)(起)(来)(,把)(不)(同)(的)(投)(资)(经)(理)(和)(投)(资)(策)(略)(组)(装)(成)(一)(个)(预)(期)(收)(益)(风)(险)(特)(征)(的)(投)(资)(产)(品)(,现)(在)(市)(场)(上)(有)(将)(近)(1万)(家)(私)(募)(和)(几)(万)(个)(私)(募)(基)(金)(产)(品)(,所)(以)(要)(做)(好)(一)(个)(FOF产)(品)(,还)(是)(很)(有)(挑)(战)(性)(的)(,尤)(其)(是)(FOF投)(资)(的)(历)(史)(很)(短)(,要)(形)(成)(一)(个)(完)(善)(的)(投)(资)(团)(队)(和)(投)(资)(方)(法)(论)(,还)(需)(要)(时)(间)(去)(磨)(练)(。”
广)(发)(证)(券)(资)(产)(管)(理)((广)(东)()有)(限)(公)(司)(执)(行)(董)(事)(吴)(云)(鹏)(指)(出)(,从)(国)(内)(FOF来)(看)(,大)(部)(分)(FOF没)(有)(起)(到)(管)(理)(的)(作)(用)(,都)(是)(拼)(凑)(起)(来)(分)(散)(风)(险)(。实)(际)(上)(,FOF主)(要)(面)(对)(的)(是)(机)(构)(,面)(对)(的)(是)(高)(净)(值)(的)(客)(人)(,主)(要)(是)(要)(帮)(助)(他)(们)(分)(散)(市)(场)(下)(跌)(的)(风)(险)(,所)(以)(长)(期)(来)(看)(能)(够)(跑)(赢)(市)(场)(。但)(是)(假)(如)(把)(FOF卖)(到)(云)(后)(端)(、卖)(到)(低)(净)(值)(的)(客)(户)(端)(的)(话)(,如)(果)(给)(的)(风)(险)(期)(太)(短)(了)(,那)(么)(产)(品)(就)(没)(有)(价)(值)(。所)(以)(FOF行)(业)(的)(机)(构)(化)(构)(成)(应)(该)(相)(对)(提)(高)(,FOF、MOM也)(将)(成)(为)(一)(个)(朝)(阳)(行)(业)(。FOF的)(目)(标)(应)(该)(是)(在)(专)(业)(区)(域)(内)(做)(策)(略)(研)(究)(,帮)(助)(投)(资)(人)(能)(够)(从)(8000多)(只)(甚)(至)(10000只)(基)(金)(当)(中)(筛)(选)(出)(一)(部)(分)(策)(略)(鲜)(明)(、没)(有)(风)(格)(漂)(移)(、能)(够)(建)(立)(动)(态)(组)(合)(的)(产)(品)(。
吴)(云)(鹏)(指)(出)(,FOF的)(主)(要)(功)(能)(是)(降)(低)(风)(险)(,最)(主)(要)(的)(目)(的)(是)(通)(过)(大)(资)(产)(配)(制)(把)(风)(险)(降)(低)(,从)(单)(位)(风)(险)(收)(益)(回)(报)(来)(看)(也)(会)(更)(优)(。
私)(募)(资)(产)(配)(置)(基)(金)(三)(大)(问)(题)(待)(解)(决)(
今)(年)(,基)(金)(业)(协)(会)(新)(增)(私)(募)(资)(产)(配)(置)(基)(金)(,私)(募)(FOF基)(金)(将)(不)(局)(限)(于)(私)(募)(证)(券)(FOF基)(金)(,资)(产)(配)(置)(范)(围)(将)(更)(为)(全)(面)(,券)(商)(资)(管)(和)(私)(募)(又)(是)(如)(何)(理)(解)(这)(方)(面)(的)(机)(遇)(呢)(?
星)(石)(投)(资)(合)(伙)(人)(易)(爰)(言)(指)(出)(,首)(先)(私)(募)(FOF基)(金)(将)(不)(再)(局)(限)(于)(私)(募)(证)(券)(FOF基)(金)(,而)(是)(在)(跨)(资)(产)(类)(别)(中)(进)(行)(挑)(选)(,某)(类)(基)(金)(的)(配)(置)(必)(然)(是)(优)(中)(选)(优)(。这)(对)(于)(专)(注)(发)(展)(单)(类)(策)(略)(、在)(垂)(直)(细)(分)(方)(向)(做)(到)(极)(致)(的)(私)(募)(来)(说)(,是)(一)(大)(利)(好)(。其)(次)(是)(“资)(产)(配)(置)(型)(私)(募)(”理)(论)(上)(可)(以)(配)(置)(的)(范)(围)(包)(括)(股)(票)(、债)(券)(等)(10多)(种)(类)(型)(产)(品)(,有)(助)(于)(平)(滑)(单)(个)(资)(产)(波)(动)(,对)(冲)(风)(险)(,获)(取)(更)(为)(平)(滑)(的)(业)(绩)(回)(报)(,增)(强)(产)(品)(对)(投)(资)(人)(的)(吸)(引)(力)(。不)(过)(,资)(产)(配)(置)(品)(种)(的)(增)(加)(会)(对)(管)(理)(人)(带)(来)(更)(高)(的)(要)(求)(:首)(先)(是)(人)(才)(配)(备)(,其)(次)(是)(技)(术)(支)(持)(。
上)(海)(景)(林)(资)(产)(董)(事)(总)(经)(理)(田)(峰)(认)(为)(,FOF的)(一)(个)(特)(点)(就)(是)(客)(户)(以)(个)(人)(为)(主)(,当)(然)(也)(有)(机)(构)(。毫)(无)(疑)(问)(,个)(人)(为)(主)(的)(客)(户)(构)(成)(最)(终)(可)(以)(通)(过)(申)(购)(和)(赎)(回)(来)(影)(响)(FOF产)(品)(的)(规)(模)(。如)(果)(FOF产)(品)(的)(封)(闭)(期)(较)(短)(,结)(果)(就)(是)(尽)(管)(FOF是)(由)(专)(业)(机)(构)(管)(理)(的)(,但)(是)(一)(旦)(市)(场)(产)(生)(恐)(慌)(,投)(资)(人)(害)(怕)(了)(要)(赎)(回)(,就)(会)(导)(致)(FOF在)(不)(该)(走)(的)(时)(候)(走)(了)(,反)(过)(来)(也)(就)(是)(不)(该)(来)(的)(时)(候)(来)(了)(。所)(以)(大)(家)(现)(在)(看)(到)(FOF都)(有)(一)(个)(相)(对)(较)(长)(期)(的)(封)(闭)(期)(,从)(本)(质)(来)(讲)(这)(最)(终)(是)(保)(护)(了)(FOF投)(资)(人)(的)(利)(益)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
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