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CEO怒怼投资人、理财师飞单事件…… 诺亚财富最近“不太平”

2018-3-23 15:50| 发布者: admin| 查看: 7416| 评论: 44

CEO怒投资人、理财飞单事件……

诺亚财富最近“不太平”

诺亚财富最近又受到了各方关注,一是因为诺亚财富CEO粗暴“问候”投资者,二是最近炒得沸沸扬扬的“理财师飞单事件”。

诺亚财富两只产品亏损

“我让你倾家荡产”。

最近这句话在圈里子流传得颇广,流传度都快要接近王健林当时的‘小目标’了。不过‘倾家荡产’这句话的主角咖位却小得多,是诺亚财富旗下财富正行板块CEO赵义。

而事件的起因,是因为诺亚将客户的钱投向了新三板导致巨亏,客户不满所引发。事件所涉及的两个基金产品分别为诺亚财富旗下的歌斐诺宝新三板麟凤一号和歌斐诺宝新三板麟凤二号,成立日期为2015年3月3日。市场传闻称,目前诺亚的这两款产品三年期限已到,无法清盘退出又被延期二年,已是“深套”状态。

歌斐资产成立于2010年,是诺亚财富集团的资产管理平台,也是诺亚集团转型及把控资产端的重要发展平台。诺亚财富年报显示,截至2017年第四季度,歌斐资产的存量管理规模达到1483亿元人民币,同比增长23%。其中私募股权投资产品管理规模达到869亿元人民币,同比增长50%。

市场传闻称,诺亚财富的这两款产品作为母基金,将资金投向了知名私募鼎锋资产和景林资产发行的新三板基金产品。诺亚财富未对这一说法进行回应。

鼎锋和景林均为知名的百亿级私募机构。2015年前后正是新三板的爆发之年,鼎锋和景林发行了多个基金产品用以举牌多家新三板公司。

然而,新三板逐渐陷入流动性之困,一些曾受追捧的新三板企业市值一落千丈,泡沫破灭。2017年很多企业直接从新三板退市。数据显示,新三板目前总市值约5万亿,日成交量仅为10亿元。

诺亚财富再现飞单事件

2016年1月15日,马先生以106万的价格,从诺亚理财师张琴处购买了两只系非诺亚产品,收益率17%,到账期一年。两人以邮件和快递的方式完成了沟通和合同签署。

在完成同盈基金产品交易八个多月之后,马某通过诺亚(苏州)财富管理中心发来的一条短信才得知,此前对接自己的诺亚理财师张某因在职期间进行“飞单”业务被辞退调查,上述两款产品即由其推介的非诺亚产品。

后来,随着同盈基金被曝资金链断裂,以及涉嫌非法吸收公众存款被立案调查,马某在向其维权几乎无望的情况下,认为依据2月份彼时的银监会对银行业金融机构以及相关的适用金融单位下发的关于规范工作人员行为管理的相关政策征求意见稿,接“飞单”的理财师张某和诺亚财富应该要负担责任,并在315全国消费者保护日即将到来,以及北京两会正在召开的时候,也向证监会方面再次进行了举报,并表明了这一主张。

据悉,在2017年5月19日,马某就已经向中国证监会进行了举报,随后中国证监会将投诉移交给了上海证监局处理。当时的6月份,证监局曾就此事项来诺亚财富进行了问询。但从马某向金融界提供的其与证监会方面进行邮件沟通的内容来看,其对证监会方面的一些处理细节还存在不满的地方。

新政下理财师张某要担责吗?

2018年2月11日,银监会发布了《银行业金融机构从业人员行为管理指引(征求意见稿)》,该意见稿中所提到的银行业金融机构是指在我国境内设立的商业银行、农村信用合作社等吸收公众存款的金融机构及政策性银行。并提到,在我国境内设立的金融资产管理公司、信托公司、财务公司、金融租赁公司以及经国务院银行业监督管理机构批准设立的其他金融机构也适用该规定。

该意见稿明确表示,从业人员不得销售或推介未经审批的产品,不得代销未持有金融牌照的机构发行的产品,不得利用职务和工作之便谋取非法利益,未经监管部门允许不得向社会或其他单位和个人泄露监管工作秘密信息等。银行业金融机构对本机构从业人员行为管理承担主体责任。《银行业金融机构从业人员行为管理指引(征求意见稿)》的意见反馈截止时间为2018年3月10日。

日前,金融界网站联系到张某时,其表示,在购买理财产品时,马某已经知晓该产品并非出自其所在的诺亚财富,现在投资没法收回,马某应该找的是同盈基金而不是诺亚财富。

虽然张某关于马某是否知晓基金产品并非由诺亚财富发行的说法,与其曾公开出具的声明一致,但据马某后来在与张某进行沟通的过程中录下的录音资料,按马某向金融界提供的说法,张某承认就此对其有所隐瞒。

马某向金融界称,当时在签合同的时候,其也注意到了该理财产品买卖合同上的签章并非是诺亚财富的,但由于之前其在张某手上买过一款名为“中智环保”的产品并未出多大问题,因此,当时其对该签章并非诺亚并没有产生什么怀疑。

感到有疑问的是,承诺的17%的收益率有点高,因此,当时其就此向张某咨询,张某回复称,诺亚的项目风控很好,一般100个项目里面只会选一到两个,马某便据此认为,如此严格的项目风控管理,再加上被抽取两个点的管理费后,投资者拿到的15%的收益其实也还合理。

对于在该事件中,理财师张某本人是否应该担责,日前,北京市东方恒信律师事务所律师蔡正猛向金融界称,上述新政并未针对银行业金融机构从业人员的“飞单行为”要求银行业金融机构及其从业人员承担连带责任,并且,根据《合同法》的原则,合同具有相对性,一般只能向合同相对方主张权利,而无法向经办业务员主张权利,因此,其认为在该事件中,理财师张某并不需要担责。

蔡律师还提到,主体责任不能作扩大解释。从业人员接飞单承担责任没有依据,属于从业人员的私人行为,金融机构也无法承担责任。当事人与其他金融机构签订的合同是其真实意思表示就有效,理财本身就具有风险。

诺亚财富创始人、执行董事,诺亚正行总经理章嘉玉此前曾向媒体表示,张某违规“飞单”被发现后,诺亚第一时间对其所有工作账号、邮箱等予以了查封、并短信通知其所有客户,2016年9月30日予以辞退、10月12日全集团通告对张琴的违规行为处分,除此以外,诺亚财富已向中国基金业协会提交了其违纪行为。

“一旦‘飞单’事件发生,实践中常见的就是银行或者理财公司马上撇清自己——称从未代理过相关理财产品,员工所为与本行无关,并将涉案员工开除了事。也有少数银行,因顾及声誉私下对客户进行补偿。可以预见,在理财产品‘刚性兑付’被打破之后,受损害的客户将会更多针对有偿付能力的银行进行维权”。


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