2. Continue to develop high-net-worth assets customers, provide professional financial services to customers, and tailor investment and financial management plans.
3. Maintain customer relations in combination with the customer activities planned by the marketing department and the operation department of the company, and establish long-term good cooperative relations with customers.
4. According to the business requirements, make regular customer return visits and do a good job in the maintenance and development of old customers. The nature is probably to maintain good relations with customers and sell financial products.
10 It was learned from the China Banking Regulatory Commission that by the end of 20 12 1, the balance of wealth management products of banking financial institutions nationwide had reached 76 1 trillion yuan.
The wealth management business of commercial banks has developed rapidly since it came out in 2005. 20 1 1 year, commercial banks issued a total of 89 1 10,000 wealth management products, and the balance of bank wealth management products at the end of 201/kloc-0 was 4.59 trillion yuan.
The China Bankers Survey Report 20 12 jointly issued by China Banking Association and PricewaterhouseCoopers shows that nearly 80% of bankers support the development of wealth management products. At the same time, the risks behind the rapid development of wealth management products market have also attracted attention. 50.9% of bankers believe that a large number of off-balance sheet assets formed by wealth management products may have an impact on the asset quality and operational stability of banks.
Bankers of bank wealth management products believe that the development of wealth management products is an important practice for banks to change from product orientation to customer orientation. At present, they are facing fierce competition from various financial institutions, and they need to move forward on the basis of balancing risks.
According to the standard explanation, it should be the capital investment and management plan that commercial banks develop, design and sell for specific target customers based on the analysis and research of potential target customers. In the investment mode of wealth management products, banks only accept funds entrusted by customers, and the investment income and risks are borne by customers or customers and banks in an agreed way.
Generally speaking, according to the types of expected income, we divide bank wealth management products into fixed income products and floating income products. In addition, according to the different investment methods and directions, we often hear and see new share subscription products, bank credit cooperative works, QDII products, structured products and so on.
Major trends
First, the gradual expansion of interbank financial products, mapping the original "silver-silver" cooperation model between foreign-funded institutions and Chinese commercial banks into the interbank financial management model between large domestic banks and small and medium-sized banks.
Secondly, the gradual attempt of portfolio insurance strategy, whether the product is stable or not, does not depend on whether to participate in the investment of high-risk assets, but on the rational allocation of investment portfolio.
Third, the number of dynamic management products is increasing gradually, and the flexible investment direction and portfolio and high liquidity are the main advantages of such products. However, the information transparency of such products is worthy of attention.
Fourthly, with the gradual prosperity of POP(ProductofProduct), the investment needs of investors with different risk tolerance can be met through the combination of different types of bank wealth management products.
Fifth, with the gradual rise of alternative investment, artworks and drinks (wine and tea) have gradually entered the investment horizon of bank wealth management products market, and the future low-carbon concept, real estate and natural resources investment will become the next hot spot.
Experts in banking wealth management products industry said that strengthening cooperation and complementary advantages between traditional financial banks and the Internet will become the main trend in the future. P2P financial management such as Search Easy Loan combines the strict credit review mechanism and powerful data management mechanism of traditional banks with Internet credit review technology, which not only enables financing services to cover more small and micro enterprises, but also helps to reduce the financing costs of small and micro enterprises.