澳大利亚政府将在2016年年中的时候发布对金融顾问资格专业基本要求。
澳大利亚政府今年10月下旬发布了他们对金融系统查询的反馈。金融系统查询提出的44个建议几乎都被澳大利亚政府接受。
建议中的其中一个就是对行业内的金融顾问的培训和能力的培养。这将会结束外汇交易商雇用没有任何金融知识和经验的初级销售人员的这一现象。该提议表明为金融产品提供建议的顾问的最低标准包括以下几点：
1.专科以上学历；
2.有相关专业经验；
3.持续专业发展,包括技术技能、人际关系技能、合规和伦理要求。
政府已经表明,立法将在2016年中期实施，发布提高顾问的专业标准问题。
目前，金融顾问必须满足ASIC的监管指南146中概述的要求。这包括持有文凭(一级产品)在ASIC上市培训登记符合相关标准。顾问提供个人建议必须满足三个标准:
1.基本知识；
2.对特定产品建议的专业知识；
3.相关专业技能。
提供建议的顾问一般不需要完备的技术要求。
2012年9月以来RG146一直受到审查,然而FOFA和引人注目的财务规划等丑闻的问题绝大多数银行(例如CBA,麦格理)一直走在前列。经批准的培训课程和ASIC的过程评估课程也仍在审查之中。ASIC对该变化发布了两个声明,然而一个新版的RG146尚未公布。
政府应对金融系统调查将会看到金融顾问的教育水平大幅上升。鉴于目前的培训要求不包括一个大学学位,在业界有很多人不会满足这个新的需求。政府已经建议他们将在适当的过渡安排现有的咨询顾问,然而似乎现有顾问不持有大学学位需要进行额外的培训,以确保一致性。
现有的顾问和他们的雇主需要考虑相关成本,以满足任何过渡需求以及所需的时间来完成任何额外的培训。此外,现有的顾问将需要审查他们的细节ASIC的金融顾问注册以确保它们是正确的、准确地披露是否符合新的要求。这些变化有可能导致重大顾问和雇主的成本以及对大多数的行业的影响。
持有大学文凭的要求表示着整个行业即将走向专业化，也恰好符合了2013年期货金融顾问立法提出的有关行业服务报酬冲突模式的提案。
Australia: Financial Advisers Will Soon Require a University Degree
The Australian Government will introduce changes in mid-2016 to raise the professional standard of financial advisers.
The Australian Government released their response to the Financial Systems Inquiry in late October this year. Of the 44 recommendations made by the Financial Systems Inquiry, the Government has accepted almost all.
One of these recommendations relates to the training and competence of financial advisers across the industry. This will see the end of FX brokers hiring junior sales staff without any financial knowledge or experience. The recommendation states that the minimum standards for advisers providing financial product advice on Tier 1 products should include:
A tertiary degree;
Competence in specialised areas, where relevant; and
Ongoing professional development, including technical skills, relationship skills, compliance and ethical requirements.
The Government has indicated that legislation will be introduced in mid-2016 which will deal with the issue of raising the professional standards of advisers.
At present, financial advisers must meet the requirements outlined in ASIC’s Regulatory Guide 146. This includes holding a Diploma (for Tier 1 products) listed on the ASIC Training Register that meets the relevant training standards. Advisers providing personal advice must complete a course which covers three components:
Generic knowledge;
Specialist knowledge about the specific products they advise on; and
Relevant skills requirements.
Advisers who provide general advice only are not required to complete the skills requirement.
Since September 2012 RG146 has been under review, however issues such as FOFA and high-profile financial planning scandals by the majority banks (e.g. CBA, Macquarie) have been at the forefront. The approved training courses and the process by which ASIC assesses a course are also still being reviewed. ASIC has released two consultation papers which relate to these changes, however an updated version of RG146 is yet to be released.
The Government’s response to the Financial Systems Inquiry will see the educational standards of financial advisers rise significantly. Given that the current training requirements do not include a university degree, there are many in the industry who will not satisfy this new demand. The Government has advised they will consult on the appropriate transitional arrangements for existing advisers, however it seems likely that existing advisers who do not hold a university degree will be required to undergo additional training in order to ensure consistency across the industry.
Existing advisers and their employers will need to consider the relevant cost to meet any transitional requirements and also the time required to complete any additional training. In addition, existing advisers will need to review their details on ASIC’s Financial Advisers Register to ensure that they are correct and accurately disclose whether they comply with the new requirements. These changes have the potential to result in significant cost for advisers and employers and are likely to impact the majority of the industry.
The requirement to hold a university degree signals a move towards the professionalisation of the industry and is in line with the changes introduced by the Future of Financial Advice legislation in 2013 which introduced a ban on conflicted remuneration in an attempt to move the industry towards a fee for service model.
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