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多家信托公司上线视频面签 强化投资者权益保护

2017-08-25 07:16:34   中国经济网

“目前来看,投资人自主录制视频的方式与规定的‘双录’要求还是有一定差距的。”有信托分析人士指出,“自主录制视频虽能体现投资人对产品情况、风险揭示等信息的充分了解,但单向的操作并不能充分体现信托产品的销售过程。现阶段来说,投资者去到信托公司财富中心,主动要求进行现场‘双录’,可能是比较好的选择。”

值得注意的是,此次《暂行规定》设置了两个月的“缓冲期”,将于2017年10月20日起施行。对于部分“双录”硬件设施及人员配备尚未跟上的信托公司及代销金融机构来说,尚有两个月时间进行改进。

“双录”旨在保护

投资人与金融机构

事实上,“双录”并非是银行业金融机构的“独创”,证券、保险行业“双录”的要求也于近期纷纷上线。

在去年通过的《证券期货投资者适当性管理办法》中指出,今年7月1日起,“双录”将成为证券行业中的硬性要求。无独有偶,今年7月份,保监会官网亦发布《保险销售行为可回溯管理暂行办法》,要求保险业“双录”,实现销售行为可回放、重要信息可查询、问题责任可确认。一时间,“双录”规定席卷金融圈。

而在信托公司“双录”方面,华融信托研究员袁吉伟表示,今年年初以来,银监会就已经加强了信托公司销售“双录”的要求,在此次《暂行规定》之前信托公司就有过相关执行。“双录”主要增加了异地客户和代销难度,这要求信托公司需要加强相关营销系统建设,以能够满足“双录”要求。

另外,袁吉伟坦称,此前部分信托产品销售可能存在不合理推销的问题,之前也有类似的诉讼。“双录”有利于保护投资者权益,规范信托销售行为,这也是加强金融消费者权益的重要手段。不过,相比之前,“双录”会提升信托公司相关合规要求和成本。未来,信托产品销售还应在投资者风险等级评级等方面完善监管措施,更加充分保护投资者权益。

事实上,由于信托产品门槛较高,一份信托合同100万元起步,令不少个人投资者“望而却步”。然而,近年来,随着个人财富的积累以及投资者理财知识的丰富,加之以信托业市场竞争愈加激烈,个人投资者购买信托产品的比例不断增加,信托公司也越来越重视对高净值客户的招揽。此时监管部门推出“双录”,对销售过程进行严格监管,可算是“正当其时”。

“‘双录’的规定我个人觉得十分有必要,对我们投资人的权益保护更进了一步。”某位具有多年投资理财经验的投资者向《证券日报》记者表示。“就在去年,我购买了一款信托产品,推介产品的理财经理当时各种承诺项目安全,但几个月后,项目对接的公司就出现债券违约危机。我们现在只能靠自己多方收集证据,准备万一兑付不成进行维权。如果‘双录’的政策能够得到贯彻,推介及购买产品过程中的一言一词都能得到记录,理财经理就不敢再夸大产品情况,投资者也能对项目情况有一个真实的把握。”

在银行销售的自有理财及代销的各类资管产品、保险产品等多类金融产品中,信托产品占比可能并不算高。近年来,因部分银行分支机构及业务人员存在违规代销、私下承诺兜底等行为,投资者在项目出现问题时,往往选择以代销银行作为投诉对象。因此,部分银行对销售信托产品并不算热衷。即使如此,由于只有金融机构才能代销信托产品,银行代销渠道仍是信托最重要的代销渠道。

“‘双录’保护的不仅是个人投资者,对销售产品的金融机构也是一种保护。”某信托分析人士如是说。他指出,由于代销涉及信托公司、代销机构、投资者三方,一旦相关产品出现兑付问题,投资者往往会将矛头对准代销产品的银行。此前,某商业银行曾因代销信托产品未能及时兑付,导致百位投资者聚焦其总部维权。“双录”有助于彼此之间责任的理清,在投资者维权或进行诉讼时,销售机构也能出具相关的证据材料。

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