The specific process of financial management can be divided into six steps:
1. Establish and position the relationship between financial planners and customers.
The financial planner shall give a written explanation and explanation of the services it will provide to customers, and strictly define the responsibilities of the financial planner and customers. Financial planners should clearly explain their salary payment methods to customers. The financial planner and the customer should reach an agreement on the cooperation period and decision-making method.
2. Collect customer financial information, including customer financial objectives.
Financial planners should collect relevant information about customers, and customers and financial planners should state their own ideas about customers' personal life goals and financial management goals, complete the time frame for discussion and implementation of decisions, and evaluate risks. Before making specific financial suggestions, financial planners should collect all relevant information completely.
3. Analyze and evaluate the financial status of customers.
Financial planners should analyze and evaluate the customer's situation and make decisions on the financial measures that need to be taken. According to the type of service required by customers, financial planners can provide financial advice including assets, liabilities, cash flow, insurance coverage, investment portfolio and tax avoidance strategies.
4. Draft and put forward financial management suggestions and alternatives.
Financial planners should put forward financial suggestions corresponding to financial objectives according to the information provided by customers. Financial planners should fully discuss with customers, and strive to make customers fully understand and master the analysis and suggestions of financial planners, so as to facilitate customers' scientific decision-making. Financial planners should also listen to customers' opinions and make reasonable changes to financial advice.
5, the implementation of the plan to achieve the goal
The financial planner and the customer should reach an agreement on the implementation plan of the financial plan. Financial planners can carry out financial planning by themselves, or as "coaches" to guide customers to complete the whole financial management process, and fully coordinate with shareholders, lawyers and other professionals when necessary.
6. Supervise the implementation of the plan
The financial planner should reach an agreement with the customer on the supervisor of the financial planning process. If the supervisor is the financial planner himself, the financial planner should make a periodic report to the customer in time, review and summarize the implementation of the plan, and modify the financial plan according to the changes in the situation.
Around 1 October1day this year, the first batch of certified financial planners in China will be officially born. By then, financial management will enter a new era of standardization, specialization and high efficiency, which can fully meet the financial needs of the people.
Financial management has been rising in China for several years, and financial centers of various financial institutions abound, but there are not many professionals with financial management expertise, and most of the practitioners are "salesmen" of banking products. However, when the financial planner takes up his post, the passive financial management of customers will be broken. Financial planners will design different forms of personalized, combined and distributed financial management according to the different needs of customers, and remind them of the corresponding risks and give them a clear explanation.
Some people say that financial planners serve the rich, but they are not. Special surveys conducted by China Social Research Institute in Beijing, Tianjin, Shanghai and Guangzhou show that 74% of the respondents are interested in personal financial services, and 4 1% of them need personal financial services. According to a survey released by the National Economic Climate Monitoring Center, about 70% residents in China hope to have a good financial consumption consultant.
It can be seen that with the people entering a well-off society, financial management has aroused widespread concern among Chinese people. Because, for a long time, China residents are not investors, but consumers. In addition, residents have not had extensive investment channels and opportunities so far. Even a relatively large amount of housing, in people's feelings, is only consumption, and statistically it can be regarded as fixed asset investment.
In this way, financial planners can become a good helper for people to invest and manage their finances. If you need financial management, if you seek good investment and high return, if you want to preserve and increase the value of your property, you might as well choose a good financial planner to help you plan your financial future, and design a reasonable tax plan by adjusting the investment portfolio of various financial products such as deposits, bonds, funds, insurance, movable property and real estate in time to meet your long-term life goals and financial goals.
Of course, there are many factors that restrict the work of financial planners at present. Financial management covers a wide range, including not only the issuance and investment of financial products, but also the reasonable tax avoidance and investment decision for customers. However, the separation of financial operations makes financial institutions very short of compound talents. A banking expert who is very proficient in how to match various deposit maturities may be very unfamiliar with the operation of stock bonds and know little about futures, let alone how to be familiar with thousands of types of insurance introduced by insurance companies. As the saying goes, interlacing is like a mountain. Some policy drawbacks and the constraints of rules and regulations will also affect the service quality and efficiency of financial planners. It's a long way to go in Xiu Yuan, and this industry has yet to develop. Let's wait and see.