This industry in China has already launched a special qualification certificate for the main industry. It is a very promising industry and one of the talents currently in short supply.

The financial planning business is quite mature in developed countries. Practitioners who specialize in financial planning are called financial planners, which is a respected profession. Financial planners serve clients faithfully and objectively for a long time and often enjoy the status of quasi-family members in many families.

In our country, the ancient private financial management thought with the basic goal of family or personal wealth sprouted in the Spring and Autumn Period, initially took shape in the Warring States Period, and reached maturity in the middle of the Western Han Dynasty. Its symbol is "Historical Records" written by Sima Qian. The advent of. "Historical Records" - especially the "Biographies of Huo Shi" contains rich ancient Chinese private financial management thoughts, and is an important milestone in the development history of Chinese private financial management.

With the rapid development of China's economy in the past 30 years, the middle class and the wealthy class are rapidly forming, and a considerable number of people's financial management concepts have gradually changed from the stage of radical investment and rapid wealth accumulation to prudent and conservative investment and financial management. With the development of safe and comprehensive financial management, the demand for financial planners who can provide objective and comprehensive financial services has grown rapidly. China has become one of the countries with the fastest growth in personal financial services in the world.

At present, the concept of financial planning has gradually become known in the financial industry, especially in insurance companies and commercial banks. Many insurance companies and commercial banks have set up special personal financial management studios or financial management departments. Provide customers with corresponding financial services. Since international financial planner certification exams such as CFP, CHFC, and IFA are formulated based on the national conditions of developed countries and local personal financial conditions, they are incompatible with my country's national conditions and personal financial conditions to a certain extent. Currently, they have not been approved by the Chinese government. recognition. Therefore, in view of the strong social demand for financial planners and the lack of national standards for financial planners, the National Professional Appraisal Center organized relevant experts to formulate the "National Professional Standards for Financial Planners" based on my country's national conditions, and on January 23, 2003 Implementation began, thereby formalizing financial planning as a profession. In order to adapt to the promotion and development of the financial planner profession in China, the National Professional Appraisal Center revised the original standards in mid-2005. The new standards made major changes on the original basis to better reflect the importance of financial planning. Professional requirements for planners.

Thirty years ago, the U.S. financial industry took the lead in breaking the knowledge limitations of financial managers in independent systems such as banking, insurance, securities, taxation, law, etc., requiring financial planners to comprehensively absorb almost all aspects of the financial industry. The essence of knowledge and skills in the field to provide customers with comprehensive and sufficient financial services.

In terms of practice, financial planners can not only serve financial institutions, such as commercial banks, insurance companies, etc., but they can also practice independently and provide financial services to customers as a third party. In 1997, the average annual salary of financial planners in the United States was US$110,000, equivalent to that of a middle-level manager in a large company. The difference is that many of them only work 600 hours a year. In 2001, financial planners ranked first in the "job evaluation" rankings in the United States, including positions such as the presidency.

Personal finance is the proper management of personal financial resources by formulating financial plans, and achieving life goals by constantly adjusting plans to achieve the highest state of financial freedom and financial dignity. But now there are various financial management methods, and innovative financial management tools are emerging one after another. People at different life stages have different needs for financial tools, from cash flow management to insurance planning, from investment planning to tax planning, from retirement planning to real estate planning. , financial planning has become increasingly complex and highly professional. With the rapid development of China's economy in the past nearly 30 years, the middle class and the wealthy class are rapidly forming, and a considerable part of them have gradually developed from the stage of radical investment and rapid wealth accumulation to the direction of prudent and conservative investment, financial security and comprehensive financial management. Therefore, there is a need for people who can The demand for financial planners who provide objective and comprehensive financial services is growing rapidly. In contrast to the growing demand for financial services, the number of financial planners in our country is obviously insufficient.

The scale of my country's domestic financial management market far exceeds 100 billion yuan. For a mature financial management market, at least every three families must have a professional financial planner. Based on this calculation, there is a gap of 200,000 financial planners in China. Beijing alone has a shortage of more than 30,000 people. In China, less than 10% of consumers have their wealth professionally managed, compared with 58% in the United States.

In the "2005 Global Wealth Report", the concept of personal wealth has expanded from real estate and car bank deposits to insurance, bonds, stocks, funds, antiques, calligraphy and painting, jewelry, etc. This has made ordinary people aware of With a new understanding of "wealth", financial planners targeting the public have gradually attracted people's attention. Some insiders believe that if 2003 is called the first year of credit cards, 2004 is the first year of personal financial products, and 2005 can be called the first year of financial planners. In 2005, national certification for financial planners was launched, stipulating that those who want to obtain the qualification of a financial planner or practice under the name of a financial planner must pass the financial planner admission examination. In early November of the same year, the first batch of 42 people passed the exam and were awarded the title of national financial planner.

So how much does this emerging profession pay? It is understood that the average annual income of financial planners in the United States is US$110,000. The highest income of financial planners in Hong Kong last year was more than HK$2 million. Liu Yanbin, secretary-general of the National Financial Planning Expert Committee, believes that the annual salary of domestic financial planners "should be in the range of 100,000 US dollars." to 1 million yuan." With reference to my country's macroeconomic situation, it is not difficult to predict that financial planners will become another golden collar profession with broad development prospects in China after lawyers and certified public accountants