BEC中级阅读: 中国理财产品销售量大幅飙升
<p> <span word="Sales">Sales</span> <span word="of">of</span> <span word="individual">individual</span> <span word="wealth">wealth</span> <span word="management">management</span> <span word="products">products</span> <span word="in">in</span> <span word="China">China</span> <span word="shot">shot</span> <span word="up">up</span> <span word="in">in</span> <span word="the">the</span> <span word="last">last</span> <span word="quarter">quarter</span> <span word="of">of</span> 2007 <span word="as">as</span> <span word="banks">banks</span> <span word="expanded">expanded</span> <span word="their">their</span> <span word="product">product</span> <span word="offerings">offerings</span>, <span word="the">the</span> <span word="banking">banking</span> <span word="regulator">regulator</span> <span word="said">said</span> <span word="yesterday">yesterday</span>.</p><p> <span word="By">By</span> <span word="the">the</span> <span word="end">end</span> <span word="of">of</span> <span word="September">September</span> <span word="there">there</span> <span word="were">were</span> 60 <span word="banking">banking</span> <span word="institutions">institutions</span> <span word="in">in</span> <span word="China">China</span> <span word="offering">offering</span> <span word="individual">individual</span> <span word="wealth">wealth</span> <span word="management">management</span> <span word="services">services</span> <span word="such">such</span> <span word="as">as</span> <span word="mutual">mutual</span> <span word="funds">funds</span>, <span word="insurance">insurance</span> <span word="products">products</span> <span word="and">and</span> <span word="offshore">offshore</span> <span word="investments">investments</span>.</p><p> <span word="Together">Together</span> <span word="Chinas">Chinas</span> <span word="banks">banks</span> <span word="sold">sold</span> <span word="Rmb">Rmb</span>600<span word="bn">bn</span> ($82<span word="bn">bn</span>) <span word="worth">worth</span> <span word="of">of</span> <span word="such">such</span> <span word="products">products</span> <span word="in">in</span> <span word="the">the</span> <span word="first">first</span> <span word="three">three</span> <span word="quarters">quarters</span> <span word="of">of</span> 2007.</p><p> <span word="But">But</span> <span word="the">the</span> <span word="China">China</span> <span word="Banking">Banking</span> <span word="Regulatory">Regulatory</span> <span word="Commission">Commission</span> (<span word="CBRC">CBRC</span>) <span word="said">said</span> <span word="it">it</span> <span word="expected">expected</span> <span word="that">that</span> <span word="figure">figure</span> <span word="had">had</span> <span word="jumped">jumped</span> <span word="to">to</span> <span word="Rmb">Rmb</span>1,000<span word="bn">bn</span> <span word="by">by</span> <span word="the">the</span> <span word="end">end</span> <span word="of">of</span> <span word="the">the</span> <span word="year">year</span> <span word="as">as</span> <span word="more">more</span> <span word="products">products</span> <span word="became">became</span> <span word="available">available</span> <span word="and">and</span> <span word="customers">customers</span> <span word="shifted">shifted</span> <span word="money">money</span> <span word="out">out</span> <span word="of">of</span> <span word="interest">interest</span>-<span word="bearing">bearing</span> <span word="time">time</span> <span word="deposits">deposits</span>.</p><p> <span word="With">With</span> <span word="inflation">inflation</span> <span word="hitting">hitting</span> <span word="an">an</span> 11-<span word="year">year</span> <span word="high">high</span> <span word="of">of</span> 6.9 <span word="per">per</span> <span word="cent">cent</span> <span word="in">in</span> <span word="November">November</span> <span word="and">and</span> <span word="the">the</span> <span word="one">one</span>-<span word="year">year</span> <span word="deposit">deposit</span> <span word="rate">rate</span> <span word="at">at</span> <span word="only">only</span> 4.14 <span word="per">per</span> <span word="cent">cent</span>, <span word="Chinese">Chinese</span> <span word="investors">investors</span> <span word="are">are</span> <span word="faced">faced</span> <span word="with">with</span> <span word="negative">negative</span> <span word="real">real</span> <span word="interest">interest</span> <span word="rates">rates</span> <span word="and">and</span> <span word="have">have</span> <span word="been">been</span> <span word="looking">looking</span> <span word="for">for</span> <span word="alternatives">alternatives</span> <span word="to">to</span> <span word="bank">bank</span> <span word="deposits">deposits</span>.</p><p> <span word="The">The</span> <span word="government">government</span> <span word="is">is</span> <span word="actively">actively</span> <span word="encouraging">encouraging</span> <span word="Chinese">Chinese</span> <span word="banks">banks</span> <span word="to">to</span> <span word="diversify">diversify</span> <span word="from">from</span> <span word="their">their</span> <span word="traditional">traditional</span> <span word="reliance">reliance</span> <span word="on">on</span> <span word="the">the</span> <span word="spread">spread</span> <span word="between">between</span> <span word="deposit">deposit</span> <span word="and">and</span> <span word="loan">loan</span> <span word="interest">interest</span> <span word="rates">rates</span>, <span word="which">which</span> <span word="are">are</span> <span word="set">set</span> <span word="by">by</span> <span word="the">the</span> <span word="central">central</span> <span word="bank">bank</span> <span word="to">to</span> <span word="ensure">ensure</span> <span word="profitability">profitability</span> <span word="at">at</span> <span word="the">the</span> <span word="state">state</span>-<span word="owned">owned</span> <span word="lenders">lenders</span>.</p><p> <span word="In">In</span> <span word="June">June</span> <span word="last">last</span> <span word="year">year</span> <span word="the">the</span> <span word="CBRC">CBRC</span> <span word="set">set</span> <span word="a">a</span> <span word="target">target</span> <span word="for">for</span> <span word="large">large</span> <span word="and">and</span> <span word="medium">medium</span>-<span word="sized">sized</span> <span word="state">state</span>-<span word="owned">owned</span> <span word="banks">banks</span> <span word="to">to</span> <span word="increase">increase</span> <span word="their">their</span> <span word="fee">fee</span>-<span word="based">based</span> <span word="income">income</span> <span word="from">from</span> <span word="about">about</span> 17 <span word="per">per</span> <span word="cent">cent</span> <span word="of">of</span> <span word="their">their</span> <span word="total">total</span> <span word="now">now</span> <span word="to">to</span> 40-50 <span word="per">per</span> <span word="cent">cent</span> <span word="within">within</span> <span word="the">the</span> <span word="next">next</span> <span word="five">five</span> <span word="to">to</span> 10 <span word="years">years</span>.</p>
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