Suterareru Ginko 2 (Kodansha Gendaishinsho)

[Machine Translation] This is the second message of Commissioner Mori. The best-selling book, "The Banks That Will Be Dumped," reveals the major regional financial reforms undertaken by Financial Services Agency (FSA) Commissioner Nobuchika Mori. In fact, there is another major pillar of his financial reforms. It is a major reform of asset management. The key phrase is "fiduciary duty. This has been translated as "fiduciary responsibility," but Secretary Mori defines it as "the obligation to conduct business operations in a truly customer-oriented manner. Today, many of the financial products sold by banks, life insurance companies, and securities firms under the slogan "for your asset management" are all products that are designed for financial institutions that charge high commissions. Foreign currency-denominated savings insurance products" recommended over the counter at banks are a prime example. The asset management reform by Secretary Mori is putting a severe scalpel to this problem. Financial institutions that are not truly customer-oriented will be "visualized" and forced into a natural selection process. The time will come when banks, life insurers, and securities firms will be "discarded" if they do not quickly recognize the true intent of the reform and become "beloved financial institutions," rather than the FSA.

これが森長官の第2のメッセージだ。ベストセラー『捨てられる銀行』が明らかにした森信親・金融庁長官の地域金融大改革。実は、森長官の金融改革にはもう一つの大きな柱がある。それが資産運用の大改革である。キーワードは「フィデューシャリー・デューティー」。受託者責任と訳されてきたが、森長官の定義は「真に顧客本位の業務運営をする義務」となる。いま、銀行や生命保険、証券各社が「お客様の資産運用のため」というトークで売る金融商品の多くは高額手数料を取れる金融機関本位の商品ばかり。銀行の窓口で勧められる「外貨建て貯蓄性保険商品」はその最たる例だ。森長官の資産運用改革はここに厳しいメスを入れつつある。真に顧客本位でない営業姿勢を続ける金融機関を「見える化」して、自然淘汰に追い込む。金融庁ではなく顧客を見るべきとの真意をいち早く見抜き「愛される金融機関」に体質改善しないと、銀行も生保も証券会社も「捨てられる」時代が来る。