1, different definitions:
(1) The meaning of asset management business: Asset management business refers to the behavior of financial investment companies such as securities, futures and funds, as asset managers, to operate their clients' assets in accordance with the methods, conditions, requirements and restrictions stipulated in the asset management contract and provide investment management services for securities and other financial products to their clients. (2) Wealth management refers to designing a comprehensive financial plan with customers as the center, and managing customers' assets, liabilities and liquidity by providing customers with a series of financial services such as cash, credit, insurance and portfolio, so as to meet customers' financial needs at different stages and help customers achieve the purpose of reducing risks and increasing wealth. The scope of wealth management includes: cash savings and management, debt management, personal risk management, insurance plan, portfolio management, retirement plan and inheritance arrangement.
2. The objects emphasized are different. (1) Asset Management pays special attention to the rate of return competition. For example, when evaluating the performance of asset management companies, investors should not only compete for long-term performance, but also compete for short-term performance. For example, the performance of fund managers should be assessed not only for three or five years, but also for half a year and a quarter-on-quarter. This will bring great pressure to asset managers, and negative emotional effects will bring short-term and irrational portfolio allocation, which will bring unnecessary to the capital market. (2) Compared with asset management, wealth management obviously goes further. The subject and object of wealth management are people. Because of this, wealth management emphasizes asset allocation according to everyone's risk-return characteristics. Financial management is mainly aimed at individual investors and does not pursue unnecessary competition between different products. 3. Specific applications of asset management business and wealth management business:
(1) Production management business application:
When a securities company handles directional asset management business, the net asset value of a single customer shall not be less than RMB 6,543,800+0,000. Securities companies can increase the minimum net asset value entrusted by customers on the basis of the prescribed minimum amount.
Securities companies can only accept assets in the form of monetary funds when handling collective asset management business. Where a securities company establishes a limited aggregate asset management plan, the amount of funds accepted by a single customer shall not be less than RMB 50,000; If an unrestricted aggregate asset management plan is established, the amount of funds accepted by a single customer shall not be less than RMB 654.38+10,000.
(2) Enrich the detailed application of management business:
Account management services. Using the convenient short-term financing conditions of the bank and the advanced clearing system, we provide customers with services such as deposit and withdrawal, investment, loan, settlement and intelligent transfer. This is the most basic and simple content in wealth management services. For the bank's wealth management customers, these services are basically free of service charges. Account management services are based on credit cards.
Trading service. This is the main wealth management business used by banks to attract customers, and it is also the strength of bank wealth management business. Including RMB wealth management business and foreign exchange wealth management business.