2014年BEC中級閱讀材料：中國理財產(chǎn)品

中國銀行業(yè)監(jiān)管機構(gòu)昨日表示，隨著各銀行擴大產(chǎn)品種類，2007年最后一個季度中國個人理財產(chǎn)品銷售額大幅飆升。

Sales of individual wealth management products in China shot up in the last quarter of 2007 as banks expanded their product offerings, the banking regulator said yesterday.

截至9月底，60家銀行業(yè)金融機構(gòu)推出了個人理財服務(wù)，如共同基金、保險產(chǎn)品和離岸投資產(chǎn)品。

By the end of September there were 60 banking institutions in China offering individual wealth management services such as mutual funds, insurance products and offshore investments.

2007年前三個季度，各銀行此類產(chǎn)品銷售總額為6000億元人民幣(合820億美元)。

Together China’s banks sold Rmb600bn ($82bn) worth of such products in the first three quarters of 2007.

但中國銀監(jiān)會(CBRC)表示，預(yù)計2007年全年銷售總量將達1萬億元人民幣，原因是有更多的理財產(chǎn)品面世，同時客戶將資金從生息的定期存款中轉(zhuǎn)出。

But the China Banking Regulatory Commission (CBRC) said it expected that figure had jumped to Rmb1,000bn by the end of the year as more products became available and customers shifted money out of interest-bearing time deposits.

2007年11月份，中國通貨膨脹率創(chuàng)下6.9%的11年高點，而一年期存款利率僅為4.14%，中國投資者面臨著實際利率為負(fù)的局面，他們一直在尋求銀行存款的替代品。

With inflation hitting an 11-year high of 6.9 per cent in November and the one-year deposit rate at only 4.14 per cent, Chinese investors are faced with negative real interest rates and have been looking for alternatives to bank deposits.

中國國內(nèi)銀行傳統(tǒng)上依賴存貸款利差，目前政府正鼓勵它們進行多樣化調(diào)整。中國存貸款利率由央行制定，以確保國有銀行能夠盈利。

The government is actively encouraging Chinese banks to diversify from their traditional reliance on the spread between deposit and loan interest rates, which are set by the central bank to ensure profitability at the state-owned lenders.

去年6月份，銀監(jiān)會為大中型國有銀行制定了目標(biāo)，力爭在未來5年至10年，中間收入在總收入中所占比重從目前的17 %左右升至40%-50%。

In June last year the CBRC set a target for large and medium-sized state-owned banks to increase their fee-based income from about 17 per cent of their total now to 40-50 per cent within the next five to 10 years.

多數(shù)全球規(guī)模最大的銀行都在中國設(shè)立了業(yè)務(wù)，而去年，包括渣打銀行(Standard Chartered)、瑞銀(UBS)和匯豐(HSBC)在內(nèi)的許多銀行，已開始為擁有100萬美元以上的客戶提供私人銀行服務(wù)。

Most of the world’s largest banks have set up operations in China and many, including Standard Chartered, UBS and HSBC, began offering private banking services available to clients with $1m or more to invest, last year.

德意志銀行(Deutsche Bank)昨日宣布，已在北京注冊理財業(yè)務(wù)，從而可以提供包括人民幣存款和貸款在內(nèi)的更多服務(wù)。

Deutsche Bank yesterday announced it had incorporated locally in Beijing, allowing it to offer more services, including renminbi deposit and lending services.

中國銀監(jiān)會昨日警告稱，伴隨著理財服務(wù)的增長，瞄準(zhǔn)無知個人的欺詐案件數(shù)量也有所上升，此類案件的社會影響惡劣。

The CBRC warned yesterday that the growth in wealth management services had been accompanied。