The gap of financial planners exceeds 65438+ 10,000.
With the constant adjustment of China's bank deposit interest rate, the stock market, bond market, commodity futures market and gold market have begun to take shape, and the professionalism and complexity of investment have begun to appear. Because individuals lack enough time and professional knowledge, they are unable to accumulate and manage wealth. In the case that simple financial consultation can no longer meet people's needs, people's demand for professional and comprehensive financial services is getting stronger and stronger, and financial planner, a new profession, has also shown broad development prospects in China.
How big is the potential market of personal finance in China? According to statistics, in 20 10, the total savings of Chinese residents reached 20 trillion people. Numbers can tell everything best. This trend shows that China's wealth is rapidly transferring to individuals, and the speed of this transfer is further accelerated. Individuals with huge wealth have great demand for personalized financial services. According to the survey of professional financial websites, more than 50% people have no plans to allocate assets; 78% people are willing to accept the advice of expert consultants and manage their own finances; 25% people are willing to accept entrusted financial services; 70% people think it is necessary to evaluate their investment performance from time to time; More than 50% people are willing to pay the consulting fee.
It can be seen that the customer demand in the financial management era is eager. At the same time, domestic financial planning talents are scarce. At present, there is no special financial planner in China, and quasi-financial planners engaged in financial planning are scattered in insurance, banking, securities and other financial industries. In China, less than 65,438+00% of consumers' wealth has been professionally managed, while nearly 60% of households in the United States have been professionally managed. At present, there are about100000 middle-class families with an annual income of 500000 yuan in China. According to the estimate of 654.38+000 financial planners serving 654.38+000 people, the "gap" of domestic financial planners is at least 654.38+0 million.
The income of financial planners exceeds 65438+ 10,000.
Financial planner is a person who provides comprehensive financial consulting services by using the principles, techniques and methods of financial planning according to the financial objectives of individuals, families, small and medium-sized enterprises and institutions. The specific work is to use professional knowledge to help customers make effective and reasonable planning within the acceptable risk range of customers, and to design an optimized fund management scheme combination for customers, so that customers can obtain ideal income, achieve financial management goals and avoid financial troubles.
Financial planners are also called "gold" designers or "money doctors" because their job is to deal with money at all times and design appropriate and optimized fund management schemes at all times.
Practice has proved that investment and financial management is the best way to achieve a win-win situation. The average annual profit of personal financial management of American banks reached 35%, with an average annual growth rate of 12% to 13%, with rich returns. In the United States, financial planners earn a lot of money and become popular occupations like doctors and lawyers, and they are middle-income registered financial planners from 65438 to 0997. At the same time, 56% of registered financial planners are engaged in comprehensive financial planning, and their income is not only commission, but many of them charge consulting fees by project or by hour.
At present, the annual income of financial planners in the fields of insurance and banking in China is generally above 6,543,800 yuan. According to Liu Yanbin, member of the National Professional Skills Appraisal Committee and secretary-general of the Professional Committee of Financial Planners, financial planners will become the most attractive profession in China in the next five years to 10, and a good financial planner will earn one million yuan a year.
The financial planner market is still immature.
While the new profession and term of personal financial planner have been heated up by the media, there is an interesting phenomenon in the present situation of this profession in China. Most people engaged in this profession are people in the financial industry, and their enthusiasm for this profession far exceeds that of ordinary people. Basically, the whole industry is in a state of applause.
At present, the industry dilemma of financial planners lies in the following reasons: first, the lack of domestic financial products makes it difficult for a clever woman to cook without rice. Although the concept and method of financial planning are useful, there is no corresponding mature product, which can only be an armchair strategist. Secondly, the misunderstanding of public concept. In western developed countries, personal financial planners, like private doctors and lawyers, have become indispensable friends in people's lives. But in China, they leave the money to others. In China, people are not used to sharing their financial problems with others. According to the survey, the top three things that China people consider when investing are: safety, profitability and liquidity, which shows that China people are very cautious in investing. Due to various misunderstandings and concepts, it takes time and practice to cultivate the credibility of the financial industry. Personal financial planners still need to wait for the market to mature. Third, the employees are still immature. Experts believe that at present, one of the problems faced by financial planners in China is the low overall working age. At present, the domestic team of financial planners is relatively young, and their life experiences are flawed. Excellent financial planners in Hong Kong are generally above middle age. At present, many banks in the mainland do not consider this factor, and many of them recruit young people. More than 40 years old is the golden age of financial planners. At this age, I have a certain life experience and can better understand the values of customers.