Hard -winning difficulty, too burning money, many small and small asset management institutions to abandon the APP

From September 16th, Changjiang Securities (Shanghai) Asset Management Co., Ltd. (hereinafter referred to as the Yangtze River Asset Management) closed the company's online trading platform account opening, subscription and subscription business (only online transactions). In August 2020, the Yangtze River Asset Management terminated its APP operation.

In the past two years, a number of small public fund funds including Guo Fund, China Rong Fund, China Sea Fund, British Fund, and Founder Fubon Fund have begun to terminate the operation and maintenance services of mobile apps.

"At present, fund sales are mainly agency sales, and the highlights of direct sales have passed. There is also the establishment, operation and maintenance of the app. Choosing to withdraw is also helpless. "A public fund -funded person told the Daily Economic News reporter on the phone.

The Yangtze Asset Management recently gave up the APP

A few days ago, the Yangtze River Asset Management announced that since September 16, the Yangtze River Asset Management closes the company's online trading platform for account opening, subscription and subscription business (only online transactions), and businesses such as redemption and query can still be handled normally. If investors have business needs such as account opening, subscription and purchase, they can handle the direct -selling counter or cooperative fund sales institutions of the Yangtze River asset management.

It is worth noting that as early as August 13, 2020, the Yangtze River Asset Management announced that due to business adjustment, the company's mobile app application software "Super shopkeeper" terminated operations and maintenance services from August 15, 2020. On December 25 of the same year, the company's WeChat page service, the WeChat public account, terminated operation and maintenance.

On September 14, 2022, the Guojin Fund issued an announcement that it will start the operation and maintenance service of the mobile client "and the Temporary APP" from September 16, 2022. Investors can use the same account information through the company's WeChat public account "National Gold Fund" to view positions and related business operations of account transaction. This is already the fifth public fund company in 2022 announced the termination of APP operations.

Statistics show that there are direct sales APPs from the Yangtze River Asset Management, Guojin Fund, Zhongrong Fund, China Sea Fund, British Fund, Founder Fubon Fund, and other direct -selling APPs under a subsidiary of small and medium -sized asset management institutions.

Direct selling app is getting harder and harder to get customers

Why are more and more small and medium -sized public funds and other asset management institutions choose to give up the position of direct sales apps?

"The direct sales app is getting harder and harder, and the highlights of this method have passed. For small and medium -sized asset management institutions." An asset management person in Shanghai told reporters on the phone.

The aforementioned public funds further analyzed: "From the perspective of buying funds, if young groups buy funds, they are more willing to use Alipay, Tiantian Fund Network and other agency sales platforms. Strong strength, this advantage is not comparable to most asset management institutions direct selling apps. High net worth group customers prefer to go to banks privately, and the elderly prefer bank counters. "

At the same time, some public fund sellers also told the reporter of "Daily Economic News": "Fund sales are still mainly selling sales, and there are also early starts in the public offering industry. sex."

According to the preservation of the public offering fund issued by the China -Foundation Association, China Merchants Bank, Ant Fund and Tiantian Fund ranked among the top three in the second quarter of 2022, with the size of 709.5 billion yuan, 650 billion yuan, and 507.8 billion, respectively. Yuan, a month -on -month increase of 4.37%, 5.83%, and 9.46%.

The data further showed that as of the end of the second quarter of 2022, the size of the stock+hybrid funds in the entire market, and the size of non -monetary funds were 7.74 trillion yuan and 16.09 trillion yuan, respectively, 5%and 7%, respectively. Among them, the total number of top 100 stocks+mixed and non -goods fund sales reached 6.34 trillion yuan and 8.68 trillion yuan, respectively, a month -on -month increase of 7%and 10%. Increasing 1.7PCT and 1.3PCT respectively over the first quarter. It is not difficult to find that the industry's head effect is still increasing.

Input output is indeed not proportional

In addition to the difficulty of obtaining the APP itself, there is also an APP that is definitely a position that is burned but difficult to produce. In other words, although the value of direct sales is the highest, the input -output is indeed not proportional.

It is understood that for many public funds or brokerage asset management companies, the current APP is basically two forms. One form is to rent the Hang Seng Electronics System. Then on this basis The system, just that, also requires a lot of manpower, material and financial resources to solve it. In addition, although Hang Seng provides templates, the rent and maintenance costs of each year are not cheap. If you develop your front end, personalized design will have more requirements.

The other is a self -developed system adopted by large fund companies, that is, developing a full set of APP systems, and the cost of operation and maintenance in this model is more expensive than the previous model, but the collection of customer data information is also more complete Effectively, so that fund companies provide more support in product design and research and development, and provide customers with more similar VIP services.

"For small and medium -sized asset management, direct sales customers have small stocks, difficult to obtain customers, and systematic operations and maintenance need to keep burning money. Investment output is not proportional, and then gradually become the object of abandoned." The aforementioned securities company asset management management management management management. "People admitted.Daily Economic News

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