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How do bankers change Party A's thinking?

It is necessary to change the "Party A's thinking" from a simple product manager to a professional investor, who has the ability to undertake the whole process from the client to the investor to risk control and post-investment management.

Looking at the wealth management subsidiaries that have been opened, they are mainly engaged in asset management-related businesses such as issuing public and private wealth management products, wealth management consultants and consulting; In terms of issuing products, it focuses on "fixed income+",that is, the fixed income category is the main category, supplemented by the equity category. The term covers the current period, regular opening and closing, and at the same time, it also increases the investment interests, commodities and derivatives such as fixed income enhancement, FOF and hook type.

this kind of product is in line with the risk preference of the main customers of bank wealth management, and it is good for bank asset management. At present, the financial subsidiary is still in the initial stage of establishment, and many investment research mechanisms are still being explored. Therefore, the launch of products such as equity and derivatives is relatively limited, but concentrated in fixed income and mixed categories.

more pressure comes from cultural and institutional changes. "Banks emphasize the credit culture and have low risk appetite, but in the asset management industry, they look at the risk-return ratio and emphasize the investment culture. How to balance the credit culture and investment culture in the future is the key.

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The service is really different! Being a bank is Party A's thinking, and it can only provide marketing services to big customers. Doing the Internet financial user experience is a top priority, and you have to dig into your mind to' pet' users. " An executive who has worked in a big bank for more than ten years and now has moved to an internet finance company is deeply touched.

However, in the boom of Internet finance, there are various anomalies, which need to be vigilant.

some enterprises, such as real estate, steel, shoemaking, mining, etc., which had nothing to do with finance, have also turned to internet finance in the past two years. A person in charge of a financial central enterprise admitted that the original online lending platform was only to solve the source of funds for its own small loan sector. I didn't expect money to come in, and the scale of gold absorption far exceeded imagination.

World Wide Web-Internet Finance: The "first year of compliance" is ushered in in the boom

The opening of Xunwang-Finance subsidiary one after another needs to change "Party A's thinking".