PNC财富管理推出证券质押融资方案 面向中端高净值客户

金吾财讯
Jul 21

金吾财讯 | 美国大型区域银行 PNC 金融服务集团(PNC)旗下 PNC 财富管理正式发布全新证券质押贷款(SBL)产品,面向 PNC Premier Client 中端财富客户提供灵活融资渠道,完善财富条线信贷产品矩阵。本次新品服务对象为在 PNC 财富管理托管资产超过 20 万美元的投资者,信贷额度最低 10 万美元。该产品以客户名下投资组合作为质押担保,客户无需抛售持仓证券即可获取资金流动性,兼顾资金使用需求与长期投资布局。贷款采用仅付息还款模式,月度资金压力更低,本金可由借款人择机偿还;同时信贷额度开通流程简便,不收取设立费用,客户短时间内便可获取个性化授信评估结果。该方案主要覆盖房屋翻新、大额消费、债务整合、税务支出、应急资金等多元资金场景。目标客群集中在可投资资产 10 万至 300 万美元的投资者,超高净值客户仍由 PNC 私人银行承接,该行私人银行亦设有差异化证券质押信贷产品,形成分层服务体系。据介绍,此次证券质押贷款是 PNC 近期财富业务升级举措之一,与 TotalRewards 忠诚度计划、线上经纪账户开户服务等形成协同。PNC 管理层表示,越来越多中产富裕群体在长期资产增值过程中面临短期大额资金需求,该产品旨在帮助客户应对时效性较强的财务安排,避免因变现证券打乱原有投资策略。

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