With the development of China's economy, the different needs of China customers for wealth management, personal travel and financial management are increasing year by year.

On November 7th, the "HSBC Live Broadcasting Room" invited relevant persons in charge of the Wealth Management and Personal Banking Department of HSBC and the Global Capital Markets Department to discuss how to improve the bank's services to individual users from the perspectives of wealth management, personal travel, study abroad and corporate welfare.

as an international bank, HSBC provides one-stop financial solutions and global banking services to more than 4 million customers in 64 countries and regions around the world. When customers want to seize potential investment opportunities and achieve wealth growth, HSBC can provide professional financial solutions; When customers and their families have overseas banking products and business-related needs such as studying abroad or working overseas, HSBC also has strong global banking services to provide support.

Feng Li

Vice President of HSBC China and Director of Wealth Management and Personal Banking

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As an international financial institution that has participated in China International Import Expo(CIIE) for three consecutive years, we are very happy to show HSBC's innovative exploration in the fields of smart wealth management and global financial services through this global event, so as to better meet the growing international and diversified financial needs of customers.

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Wealth management:

AI empowers investment and technology leads the future

HSBC provides customers with a series of wealth management products to meet their investment needs, and provides global and local market consultation, so that customers can keep abreast of global market trends and easily realize investment decisions. The core concept of HSBC wealth management is "customer-centric" and strives to provide customers with truly suitable products.

HSBC's wealth management tablet system also realizes the electronic signing of investment and insurance products, and the online wealth management platform also enables customers to manage their asset portfolios anytime and anywhere to achieve the best asset allocation.

The asset allocation provided by HSBC is based on the customer's needs, and through professional financial analysis, the asset allocation scheme required by customers is built. HSBC's wealth management products have strict shelf control procedures, and YEATION is the best. At the same time, HSBC has independently developed "HSBC Smart", which has established a reputation among premier wealth management customers with flexible global asset allocation scheme and customized exclusive support.

The combination of artificial intelligence (AI) and wealth management is also an innovation that HSBC is trying. The operation of AI index needs the support of supercomputer and intelligent investment strategy. EquBot Company was founded by former executives of INTEL and several major fund companies on Wall Street, specializing in the research of AI investment. In 217, it took the lead in registering and establishing an ETF with AI strategy. HSBC is also involved in the formulation of volatility control strategy for AI index.

the ai index has been outstanding during the period after this year's epidemic triggered global financial market shocks. it will learn from past events such as SARS in 23, collect relevant signals of the epidemic at an early stage, and successfully predict the severity of the epidemic to the market. In terms of investment decision-making, AI pre-adjusted the position of the investment portfolio in April, that is, defensively avoided industries that are vulnerable to the epidemic and economic recession, such as non-essential consumer goods, industry and finance, and at the same time added some industries that may benefit from the epidemic, such as medical care, essential consumer goods, information technology and communication services. In May, it continued to over-allocate stocks such as medical care. More than 67% of the positions are concentrated in three themes to fight the epidemic and economic recession: health care and biotechnology, epidemic-related consumer goods, and information technology enterprises.

/Yang Zhenjia, Global Capital Market Department of HSBC:

AI index will establish investment strategies and score a large number of companies, and select the stocks with the highest scores to build a portfolio. AI will establish dozens of indicators from three dimensions: finance, news and information, and company management, respectively, to rate the company. EquBot has patent protection in AI's identification of true and false messages. In the process of analyzing and judging the true and false news, AI will assign higher trust value to the channels with higher credibility, so as to filter out those false news, and then analyze more reliable information sources, such as Bloomberg, Reuters and so on.

It is worth noting that although the purpose of introducing AI strategy is to find a way to invest once and for all, it does not mean that AI will always be invincible. It is not a panacea. For a certain period of time, it may not be able to outperform the S&P 5 index or a star fund. However, fund managers may be replaced, and fund managers also have their own weaknesses or blind spots. And AI can learn and grow by itself. Therefore, looking at it for a long time, there is reason to believe that the long-term performance of investment with AI strategy may be more stable.

Travel Manager:

An "extraordinary travel" platform that understands passengers' needs better

As a daily financial tool serving everyone, credit cards meet everyone's payment, capital and other needs in all aspects. Travel, as a very important part of life, will inevitably become an important link for banks to serve customers. And HSBC's "extraordinary travel" platform was born to solve customers' demands in travel.

As a one-stop travel rights center, HSBC's "Extraordinary Travel" platform covers multi-scenario travel rights, catering, accommodation and travel, including services during travel, before and after travel. At the same time, the platform has multi-level customer benefits, which can meet different consumer needs. Users can access the platform through multiple portals, realize fast and convenient login and flexible page configuration, and get the latest benefits that are updated immediately. HSBC's "Extraordinary Travel" platform serves a wide range of customers, such as HSBC credit card holders, personal retail banking customers and potential customers interested in travel rights.

in order to provide passengers with more needed services, HSBC has joined many travel experts and cooperated with HSBC, such as Ctrip, Qunar and Tongcheng. There are also card organizations with international networks such as UnionPay and MasterCard, as well as the largest airlines in China, such as China Eastern Airlines and China Airlines. In addition, many excellent service providers in the tourism industry, such as Longteng Travel and Supreme Car Rental, also participated in the cooperation.

/Yu Zhengjun, Senior Product Manager of Credit Card:

We don't have to go to the bank counter to complete business like traditional banks. Really make customers experience perfect banking services no matter when and where. Use intelligent data analysis to record preferences and recommend the most suitable rights products for you.

We hope to use travel as a bridge between customers and closely connect customers with banks. Open a window between you and HSBC financial services from the perspective of travel rights; Multi-platform linkage, together with HSBC's study abroad, family and health sectors, constitutes a good financial ecosystem, thus providing customers with all aspects of quality services and experiences.

Personal study abroad:

HSBC Global Banking Service solves customers' worries about studying abroad

HSBC understands that most of its customers have demand for financial-related products and services when they travel abroad, study abroad, work abroad and emigrate. HSBC's global banking services can provide strong support for you and your family in all aspects. At present, HSBC has more than 1, branches in more than 1 cities around the world, covering popular destinations such as London, new york, Vancouver, China and Hongkong.

HSBC China has hired vice presidents of business development and international cooperation with rich working and living experience in the United States, Canada and Singapore, respectively, to provide customers with local information from these markets. Overseas HSBC local teams can also give very strong support to customers. In some countries and regions, HSBC has account managers who can speak Chinese, so that HSBC customers and their families can enjoy peace of mind services no matter where they are.

The exclusive team of HSBC China provides free support to outstanding wealth management customers who need to study abroad, and provides services and support such as overseas HSBC account opening reservation service, global transfer, HSBC remittance for studying abroad, personal loan for studying abroad and global emergency support. HSBC Premier customers who need to study abroad and meet the corresponding conditions can make an appointment to open an overseas account for free. When they arrive at the destination of study, they will immediately enjoy the contact and reception of a special person and arrange the opening of a local account in time.

/Lin Zhen, vice president of business development and international cooperation of HSBC:

I was originally in a heavy mood when I was studying abroad, mainly leaving my hometown, and I was full of hope and great anxiety about the future. Then when I got on the plane, I walked through the boarding corridor full of HSBC signs, which was regarded as seeing something familiar. Because my family has always been a loyal user of HSBC. I was very nervous when I arrived at Toronto International Airport after a 13-hour flight, but when I got off the plane, I saw a corridor full of HSBC signs at first sight, and the familiar things immediately eased my nervous mood.

As an international bank, one of the biggest advantages of HSBC is the linkage of global outlets. One of the advantages of HSBC is that it is excellent in one place and excellent in the world. Our global banking service allows you to travel around the world as a premier financial VIP and access our global support and services anytime and anywhere. As long as you become our Premier VIP customer in China HSBC, you can apply to become a Premier VIP customer in any other country or region, and feel at home and enjoy the global Premier VIP treatment.

/Xing Wenyu, Wealth Management and Personal Bank Business Manager of HSBC:

I believe that many parents of foreign students are very worried about whether their children are going away, whether they are eating well, whether they are dressed warmly or not, and whether they are adapting to local life. We at HSBC just want to give parents and students a sense of security. No matter where you go in the world, when you see the logo of HSBC, you will feel like meeting an old friend in another country. And during the epidemic period, in order to solve the most worrying security problems of foreign students' families. From this, we launched the Future Elite Guardian Program to help qualified customers solve their concerns about overseas medical treatment.

company benefits:

HSBC's "Payable Home" company employee plan

HSBC's "Payable Home" company employee plan is set up by HSBC for specific company employees. After joining this plan, customers can enjoy all kinds of HSBC's personal banking products and services mentioned above, as well as a series of exclusive benefits and privileges of this plan.

there are four main advantages of the employee exclusive plan of "salary-sharing home" company, including "full coverage exclusive courtesy", "rich one-stop financial scheme", "all-round convenient experience" and "professional global support". HSBC provides all-round online and offline service channels for customers who participate in the company's employee plan, meets the needs of overseas travel, study abroad, emigration and other related financial services, has a professional and comprehensive one-stop banking solution, and is a trusted financial housekeeper for customers.

HSBC's "Paymaster" plan can be divided into three types: Shangyu, Premier and Advanced Financial Management. Customers under the employee plan of the company can become any of these customer types and apply for corresponding accounts. We will also recommend the appropriate service brand type according to your income.