15語で語る「フィデューシャリー デューティー(受託者義務)」
The fiduciary duty exists for supporting ①investors (beneficiaries) to ②invest in financial products such as mutual funds and stocks and so on. Fiduciary managers are in the Japanese trust ③banks and security companies such as the people who operate the trust dealings.
They should give ④consultation to their clients for supporting them, ⑤adding value to their ⑥asset management and making their portfolios, ⑦maximizing clients' profits to the clients expectation, however the managers are paid some ⑧commission fees.
The Japanese ⑨Financial Sevices Agency has aimed that fiduciary duties exist to encourage specialization of financial fields such as professional dealers who have specific ⑩qualifications, and beneficiary profits should be given ⑪priority over the fiduciaries' profits.
Finally, I'd like to talk about the future. The high technology of "⑫Fintech" represented by ⑬Virtual currencies, has been improving year by year. The Japanese fiduciary duty must be needed for the Japanese ⑭economic situation and ⑮society.
①investor 投資家 ②invest 投資する ③trust bank 信託銀行 ④consultation 相談 ⑤added value 付加価値 ⑥asset management 資産管理 ⑦maximize 最大化 ⑧commission fee 手数料 ⑨Financial Services Agency 金融庁 ⑩qualification 資格 ⑪priority 優先 ⑫Fintech フィンテック ⑬Virtual currency 仮想通貨 ⑭economic 経済の ⑮society 社会
15語で語るフィデューシャリー デューティー(受託者義務)
投資家(受益者)が投資信託や株式などの金融商品を購入する際には信託義務というものがあります。つまり信託銀行や信託取引をおこなう業務につく者(受託者)は、顧客(投資家)の資産管理に付加価値をつけることを支援し顧客が望む利益を最大限につくりだすためにコンサルをおこない、報酬を受けるわけです。金融庁は特定の資格を有する専門家が上記を行うよう受託者義務を求め、投資家(受益者)の利益を受託者の利益よりも優先すべき、と求めています。金融業界の未来を考えても、仮想通貨に代表される「フィンテック」の技術は年々進化しています。日本経済の将来のためにも、ますます受託者義務が求められるようになるでしょう。
Harumi Miyahara
Uchiyama FP Office Co,.Ltd.