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据瑞典媒体SVT报道,财政监察专员Erik Thedéen近日表示,希望政府能采取措施完全禁止基金行业中存在的所谓基金佣金即回扣问题。
据SVT报道,当客户通过基金中介机构购买一只大型银行基金时,大型银行与基金中介机构会分担费用,后者通常会从基金公司收回一半的费用。2020年,仅Avanza和Nordnet两家在线银行一项回扣就赚了大约6亿瑞典克朗。
根据Erik Thedéen的说法,回扣的风险在于,基金中介机构会过度推销对自己有利的基金,这可能会忽视客户的利益。Erik Thedéen说,如果有两种基金:一种回扣很小,另一种回扣很大。那么,中介机构就会试图让客户选择回扣更大的更贵的基金。
Erik Thedéen指出:”有一项研究表明,随着时间的推移,购买基金的费用是影响某一基金是否比其他基金获得更好回报的最大的单一因素。对大多数客户来说,最好的选择是价格低廉的简单产品。但通常情况下,基金行业倾向于向相反的方向发展。他们正在转向更复杂、更昂贵的产品。因为这是他们赚钱的地方。这就是佣金所体现的最大的利益冲突之处。“
2018年,欧盟委员会曾出台一套规则,从而让各个国家得以有机会通过国内法禁止回扣。但在瑞典,为了保留回扣制度,政府选择了一个要求严格的妥协方案。然而,财政监察专员认为,最好的办法是禁止佣金。
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