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代销新规即将实施已有银行抢先行动
Zheng Quan Ri Bao·2025-08-17 16:46

Core Viewpoint - The implementation of the new regulations for commercial banks' agency sales business, effective from October 1, 2023, is prompting banks to adjust their sales models and strengthen compliance operations [1][4]. Group 1: Regulatory Changes - The new regulations restrict commercial banks to sell products only through their own channels, prohibiting outsourcing or embedding sales processes in third-party platforms [4]. - Banks are expected to terminate partnerships with third-party platforms, as seen with a certain commercial bank ending its fund sales cooperation with "Huawei Wallet" and "Yutong Life" [2][3]. Group 2: Business Model Adjustments - The shift towards self-operated channels is aimed at enhancing compliance, transparency, and traceability in sales activities [2][4]. - Banks are likely to accelerate the restructuring of their agency sales models, particularly those with strong self-channel foundations [3][5]. Group 3: Long-term Implications - The new regulations are anticipated to lead to a more traceable regulatory environment, improving overall compliance levels in the industry [4]. - Banks will need to invest in system upgrades and customer training to adapt to the new sales processes, which may temporarily affect operational efficiency [4]. - The focus will shift towards providing comprehensive wealth management solutions through self-operated platforms, enhancing customer engagement and service efficiency [5].