With the development of China's economy, Chinese customers' needs for wealth management, personal travel, financial management, etc. are increasing year by year.
On November 7, the "HSBC Jinbo Live Room" invited relevant leaders of HSBC's wealth management and personal banking departments and global capital markets department to discuss wealth management, personal travel, and study abroad. Discuss how to improve the bank's services to individual users from the perspective of corporate welfare and other aspects.
As an international bank, HSBC provides one-stop financial solutions and global banking services to more than 40 million customers in 64 countries and regions around the world. When customers want to seize potential investment opportunities and achieve wealth growth, HSBC can provide professional financial solutions; when customers and their families have overseas banking products and business-related needs such as studying abroad or working overseas, HSBC also has powerful global banking services Provide support.
Li Feng
HSBC China Vice President and Director of Wealth Management and Personal Banking
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As a participant in CIIE for three consecutive years As an international financial institution in the world, we are very pleased to use this global event to showcase HSBC’s innovative exploration in smart wealth management, global financial services and other fields to better meet customers’ growing international and diversified financial needs.
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Wealth Management:
AI empowers investment, technology leads the future
HSBC provides customers with a series of wealth management products to satisfy their needs It provides investment needs and global and local market consultation, allowing customers to understand global market trends at any time and easily implement investment decisions. The core philosophy of HSBC Wealth Management is "customer-centric" and strives to provide customers with truly suitable products.
HSBC’s wealth management tablet system also enables electronic signature of investment and insurance products, and the online wealth management platform also allows customers to manage their asset portfolio anytime and anywhere to achieve the most ideal asset allocation.
The asset allocation provided by HSBC is based on customer needs and through professional financial analysis, it builds the asset allocation plan required by customers. HSBC’s wealth management products have a strict listing control process and carefully select the best products. At the same time, HSBC also independently developed "HSBC Intelligent Manufacturing", which has established a reputation among excellent financial management customer groups with flexible global asset allocation solutions and customized exclusive support.
Combining artificial intelligence (AI) with wealth management is also an innovation HSBC is trying. The operation of AI index requires the support of supercomputers and intelligent investment strategies. EquBot was founded by former executives of INTEL and former executives of several major Wall Street fund companies. It specializes in AI investment research. In 2017, it was the first to register and establish an ETF using AI strategies. HSBC is also involved in formulating the volatility control strategy for the AI ??index.
The AI ??index has performed well after this year’s epidemic triggered a shock in the global financial market. It will learn from past events such as SARS in 2003, collect relevant signals of the epidemic early on, and successfully predict the impact on the market. the severity of. In terms of investment decision-making, AI pre-adjusted the positions of the investment portfolio in April, that is, defensively avoiding industries that are susceptible to the impact of the epidemic and economic recession, such as consumer discretionary goods, industry, and finance, while adding positions in some industries that may benefit from the epidemic. industries such as healthcare, consumer staples, information technology and communications services. In May, it continued to overweight stocks such as pharmaceuticals and health care. More than 67 positions are concentrated in 3 themes to combat the epidemic and economic recession: health care and biotechnology, epidemic-related consumer staples, and information technology companies.
/ HSBC Global Capital Markets Department Yang Zhenjia:
The AI ??index will establish an investment strategy and score a large number of companies, and select the stocks of the companies with the highest scores to build an investment portfolio.
AI will establish dozens of various indicators from three dimensions: finance, news and information, and company management to score companies. EquBot has patent protection for AI to identify the authenticity of messages. In the process of analyzing and judging true and false news, AI will assign a higher trust value to channels with higher credibility, thereby filtering out those false news, and then analyze more reliable information sources, such as Bloomberg, Reuters, etc. .
It is worth noting that although the purpose of introducing AI strategies is to find an investment method that can save worry and effort once and for all, it does not mean that AI will always be invincible. It is not a panacea. For a certain period of time, it may not be able to outperform the S&P 500 Index or a certain star fund. But fund managers may change, and fund managers also have their own weaknesses or blind spots. AI can learn and grow on its own. Therefore, looking over a long period of time, there is reason to believe that the long-term performance of investments that introduce AI strategies may be more stable.
Travel Butler:
An "extraordinary travel" platform that better understands the needs of travelers
As a daily financial tool that serves everyone, credit cards satisfy everyone in all aspects payment, funding and other needs. And travel, as a very important part of life, will inevitably become an important part of banks' customer service. HSBC’s “Extra Travel” platform was born to address customers’ travel needs.
As a one-stop travel rights center, HSBC's "Extra Travel" platform covers travel rights in multiple scenarios, including full coverage of catering, accommodation and travel, including services during travel as well as before and after travel. At the same time, the platform has multi-level customer discounts to meet different consumer needs. Users can directly access the platform through multiple entrances to achieve quick and convenient login and flexible page configuration, and obtain the latest discounts that are updated in real time. HSBC’s “Extra Travel” platform serves a wide range of customers, such as HSBC credit card holders, individual retail banking customers, and potential customers interested in travel benefits.
In order to provide travelers with the services they need more, HSBC has teamed up with many travel experts to cooperate with HSBC partners, such as Ctrip, Qunar, and Tongcheng, the leading travel e-commerce companies. There are also card organizations with international networks such as UnionPay and MasterCard, as well as my country's largest airlines, China Eastern Airlines, China Airlines, etc. In addition, many excellent service providers in the tourism industry, such as Longteng Travel and Supreme Car Rental, have also participated in the cooperation.
/ Credit Card Senior Product Manager Yu Zhengjun:
We no longer have to go to the bank counter to complete business like traditional banks. It is really possible to provide customers with comprehensive banking services no matter where they are at any time. Use intelligent data analysis to record preferences and recommend the most suitable equity products for you.
We hope to use travel as a bridge with customers to closely connect customers and banks. Open a window between you and HSBC financial services through the perspective of travel rights; multi-platform linkage, together with HSBC's three major sectors of study abroad, family, and health, form a good financial ecosystem to provide customers with all aspects of high-quality services and experiences.
Individual study abroad:
HSBC Global Banking services solve customers’ worries about studying abroad
HSBC understands that most of its customers travel, study, work, and immigrate overseas. There is demand for financial-related products and services overseas and elsewhere. HSBC's global banking services can provide strong support for you and your family in all aspects. Currently, HSBC has more than 1,000 branches and branches in more than 100 cities around the world, covering popular destinations for travel, study abroad, and immigration, such as London, New York, Vancouver, Hong Kong, China, etc.
HSBC China has hired vice presidents of business development and international cooperation with rich work and life experience in the United States, Canada and Singapore to provide customers with local information from these markets.
Overseas HSBC's local team can also provide customers with very strong support. HSBC in some countries and regions has account managers who can speak Chinese, so that HSBC's customers and families can enjoy peace of mind services no matter where they are.
HSBC China’s dedicated team provides free support to Excellent Financial Management customers who need to study abroad, providing overseas HSBC account opening appointment services, global transfers, HSBC study abroad remittances, personal study abroad loans, global emergency support and other services and support. HSBC Premier customers who need to study abroad and meet the corresponding conditions can make an appointment to open an overseas account for free. When they arrive at their study destination, they will immediately receive a dedicated contact and receive timely arrangements for local account opening.
/ Lin Zhen, Vice President of Business Development and International Cooperation of HSBC Bank:
When I was studying abroad, I was in a very heavy mood, mainly because I had to leave my hometown. I was full of hope for the future and also Have great uneasiness. Then when I got on the plane, I walked through the boarding corridor full of HSBC logos and saw something familiar. Because my family has always been a loyal user of HSBC. When I arrived at the Toronto International Airport in Canada after a 13-hour flight, I was originally very nervous. But the first thing I saw when I got off the plane was the corridor full of HSBC logos. The familiar things immediately relieved my nervousness. .
As an international bank, one of the biggest advantages of HSBC is the linkage of global branches. One of HSBC’s strengths is excellence in one place and excellence globally. Our global banking services allow you to travel around the world as a Premier Financial VIP and access our global support and services anytime and anywhere. As long as you become our Premier VIP customer in HSBC China, you can apply to become an HSBC Premier VIP customer in any other country or region and enjoy the global Premier VIP benefits at home.
/ Xing Wenyu, Wealth Management and Personal Banking Business Manager of HSBC Bank:
I believe that many parents of international students are worried about whether their children will eat well and wear warm clothes when they travel far away. warmth, and whether it adapts to local life. We at HSBC want to give parents and students a sense of security. No matter where you go in the world, when you see the HSBC logo, you will feel like meeting an old friend in a foreign land. And during the epidemic, in order to solve the safety issues that international students’ families are most worried about. We thus launched the Future Elite Guardian Plan to help eligible customers resolve their concerns about overseas medical treatment.
Company benefits:
HSBC’s “Salary-Xiangjia” corporate employee plan
HSBC’s “Xianxiangjia” corporate employee plan is HSBC’s plan for specific company employees Established, after joining this program, customers can enjoy a variety of HSBC's personal banking specialty products and services mentioned above, as well as a series of exclusive benefits and benefits for the program.
The "Xinxiangjia" employee-only plan has four main advantages, including "enjoy full coverage of exclusive benefits", "enjoy one-stop financial solutions", "enjoy all-round convenience" Experience” and “Enjoy professional global support”. HSBC provides customers participating in the company's employee plans with a full range of online and offline service channels based on levels to meet the needs of overseas travel, study abroad, work abroad, and other related financial services. It has a professional and comprehensive one-stop banking solution that is worth it to customers. Trusted financial steward.
HSBC's "Xinxiangjia" plan is divided into three types: "Shangyu", "Excellent Financial Management" and "Advanced Financial Management". Customers under the company's employee plan can become any of the customer types and receive Apply for the corresponding account. We will also recommend suitable service brands based on your income.