Financial planner refers to a person who provides comprehensive financial planning services for individuals, families, small and medium-sized enterprises and institutions by using the principles, techniques and methods of financial planning.
The full name of QFP financial planner is qualified financial planner. Adjective, with the necessary conditions; Qualified; In charge of limited finance (finance). Adjective: finance; Finance; Planner in finance. Noun: planner)-International financial planner qualification certification, also known as registered financial planner or financial planner, is the most authoritative and popular financial industry qualification in the international financial field.
The main responsibility of financial planner is to pay attention to customers' needs and goals according to their asset status and risk preference, take customers' needs as the center, adopt a set of standardized models, provide customers with comprehensive financial advice and the most suitable financial plan, and ensure people's financial independence and financial security. Customers only need to tell the financial planner their property scale, quality of life requirements, expected income targets and risk tolerance, and the financial planner can formulate a set of financial planning that suits his personal characteristics. By constantly adjusting the investment portfolio of deposits, stocks, bonds, funds, insurance, movable property, real estate and other products, we will design reasonable tax planning and asset inheritance planning to meet their financial needs for pursuing a high-quality life and help them achieve their life goals at different stages of their lives.
At the same time, it is not limited to providing a single financial product, but to carry out targeted financial service portfolio innovation according to the comprehensive needs of customers, which is an all-round, hierarchical and personalized service. To a certain extent, personal financial planning is aimed at the whole life of customers rather than a certain stage, including asset-liability analysis, cash flow budget and management, investment planning, education planning, career planning, insurance planning, tax planning, personal tax planning, inheritance planning and so on.
The process of financial planning includes the following six steps: establishing and defining customer relationship, collecting customer-related information, making financial analysis and evaluation of customer information, making personal financial plan, assisting customers to implement financial plan, supervising the implementation and tracking of financial plan, and modifying financial plan.
The qualification certification of financial planners requires the International Association of Financial Planners to start from education &; Continuing education), examination (examination), work experience (experience) and professional ethics (ethics).
Development prospect of QFP financial planner
China's GDP grows at an average annual rate of 9.5%, which is the fastest growing country in the world and three times the average annual growth rate in the world. The gross domestic product has exceeded 30 trillion yuan, bank deposits have exceeded 20 trillion yuan, and 70% of residents' financial assets are savings deposits, far higher than the level of 4% in the United States.
QFP can effectively guide people's investment awareness and improve the situation of high savings rate.
With the sustained and rapid development of China's economy and the accelerated accumulation of social wealth, a considerable number of people's financial management concepts have gradually developed from the stage of radical investment and rapid accumulation of wealth to the direction of steady and conservative, safe funds and comprehensive financial management, and people's demand for their own life planning and wealth management is becoming more and more common. At the same time, with the continuous enrichment of financial products and the increasingly complex tax system, people need the help of financial planners more and more. According to the survey of the National Monitoring Center, about 70% of the residents want to have their own ideal financial advisers, and more than 50% of the residents are willing to pay for them.
QFP naturally has a living soil.
China has become one of the countries with the fastest development of personal financial services in the world, so the demand for financial planners is also growing rapidly.
The funds in the hands of residents need to be well planned, such as A-shares, B-shares, closed-end funds, open-end funds, government bonds, corporate bonds, corporate convertible bonds, futures, gold, foreign exchange and real estate.
Faced with numerous financial tools, ordinary people feel that they lack the knowledge of financial planning and need professional financial planning services.
At present, the number of accounts opened by investors in China stock market is about1100000. Suppose 50% investors need financial advisers, that is, 55 million investors.
Assuming that each financial advisor serves 200 clients, the securities industry needs at least 280,000 financial advisors.
The sales of wealth management products of commercial banks were 200 billion yuan, 400 billion yuan, 388.6 billion yuan and 1 trillion yuan in 2005, 2006 and 2007 respectively. Despite its rapid development, wealth management business accounts for less than 5% of China's overall banking business, which is still far from the international average of 40%.
This also shows that China's commercial banks have huge development space in the field of wealth management business.
The wealth management products issued by commercial banks in 2004, 2005, 2006 and 2007 were 76, 594, 1 166 and 2453 respectively. According to statistics, the average annualized rate of return of 26 wealth management products issued and expired in 2007 was 23.78%. The highest in yield to maturity is ICBC's 23rd RMB wealth management product in 2007-structured subscription of new shares, with an annualized rate of return of 132.39%.
Nowadays, whether it is a large-scale exchange meeting, a special job fair or online recruitment, financial institutions
Are looking for a professional financial planner.
However, in sharp contrast to the rising demand for financial services, the number of financial planners in China is obviously insufficient.
In a mature financial market, every three families should have at least one professional financial planner. In China, less than 65,438+0% of consumers' wealth has been professionally managed, compared with 58% in the United States.
According to preliminary estimates, there is a shortage of several million professional financial planners in China, and the domestic banking industry is thirsty for financial planners, which makes their value rise continuously.
QFP's greatest charm lies in its authority and universality, which not only represents professional and independent investment and financial planning ability, but also is a powerful guarantee for early employment and value upgrading. Having QFP will undoubtedly increase an individual's position in the workplace, and it will be directly reflected in the growth of personal income. The prospect of domestic financial industry is promising, and the trend of financial management is in the ascendant. As long as you have obtained the professional certification of international financial planners, you can show your talents in the domestic financial industry and realize your long-cherished wish.
Financial planners can not only serve banks, insurance, securities, funds, trust companies, accounting firms, law firms and other financial institutions, but also hold financial management positions in various companies. They can also practice independently and provide financial services to customers as a third party, which is a powerful help to their life, career and family happiness.
Obtained the qualification certification of registered QFP financial planner and became the "golden key" to enter the five major financial industries such as banking, insurance, securities, funds and investment management.
Financial planner will become another golden collar career with broad development prospects in China after lawyers and certified public accountants.
What is the salary of a financial planner?
1997, the average annual salary of American financial planners is $65,438 +0 10000, which is equivalent to the middle manager of a large company. The difference is that many of them only work 600 hours a year. In 200 1 year, financial planners ranked first in the "job evaluation" of more than 250 positions in the United States, including presidents. Hong Kong financial planners earn more than HK$ 3 million a year.
National financial experts believe that "the monthly salary of domestic financial planners is about 1.5 thousand yuan to more than 30 thousand yuan, and the annual salary should be between 1 10 thousand yuan and 1 10 thousand yuan."
High status, high salary and low workload are the characteristics of financial planners.