1, and the product yield is high. Compared with the same type of corporate bank wealth management products, it has obvious advantages.
2. Rich product types. It covers all kinds of risk-return products, such as "CCB Wealth", "Private Enjoy in Gan Yuan" and "Exclusive Enjoy in Gan Yuan", and fully meets the financial needs of all kinds of risk-return preference private banking customers.
3. The product terms are flexible. Customers can choose all kinds of fixed-term bank wealth management products, daily wealth management products that can be purchased and withdrawn at any time, and bank wealth management products that are regularly opened every month, bimonthly, quarterly and semiannually. Customers can flexibly configure according to their own cash flow and use requirements.
4. Convenient transaction. You can subscribe for transactions with priority through private banks, or you can choose exclusive online banking products to easily realize investment and financial management without leaving home.
5. Provide product customization services. According to the personalized requirements of private banking customers on the maturity, expected rate of return and safety of bank wealth management products, we will provide customized services for the wealth management products of Volkswagen Bank in conjunction with the product departments of the Bank and product partners such as securities, funds and insurance. On the basis of existing bank wealth management products, differentiated pricing is implemented according to the purchase amount of customers to meet the allocation needs of private bank customers in different periods and with different amounts of funds.
Extended data:
Evolution of the operation mode of wealth management products in China's commercial banks;
In the initial stage of RMB wealth management products, the investment direction was basically fixed-income tools such as inter-bank government bonds, central bank bills and money market funds. In terms of risk management, compared with the original foreign currency wealth management products, RMB wealth management products are more standardized, and customer funds are isolated from the bank's own funds.
It should be said that the wealth management products in this period are familiar to commercial banks, dedicated and have traditional advantages, and the functions of product sales, asset allocation, investment decision-making, liquidation and issuance can be completed by relying on the bank's own platform.
Since then, due to the lower interest rate in the inter-bank bond market and the stronger capital market, commercial banks have explored new operating modes of wealth management products. First, enter the stock market and industrial investment market with the help of trust platform. By cooperating with trust companies, banks entrust wealth management funds to trust companies, which invest in stocks and industries in their own names.
After the opening of this investment path, innovations in the form of wealth management products have emerged one after another, such as subscription of new shares, transfer of trust beneficial rights and asset allocation products composed of bonds, stocks, trust wealth management and other products.
The second is to cooperate with foreign financial institutions to launch structured wealth management products to achieve investment management covering the global market. In particular, the launch of QDII has opened up the channel for overseas investment of RMB, expanded the radius of resource allocation, and a large number of products linked to interest rates, exchange rates and stock indexes have appeared in the wealth management market.
On the other hand, in China, since CITIC Industrial Bank Guangzhou Branch took the lead in putting up the brand of "Private Financial Center" on 1996, with the continuous improvement of the income level of domestic residents and the continuous enhancement of financial awareness, it has become an indisputable reality that the scale of the personal financial market continues to expand. today
In the summer of 2003, the Global Wealth Report released by Merrill Lynch Group showed that there were about 236,000 millionaires in China in 2003, an increase of 654,380 +02% over the previous year's 265,438+00. The total wealth held by these rich people has reached 969 billion US dollars. If calculated in RMB, nearly 240,000 people will become millionaires.
According to the latest research report of Boston Consulting Group (BCG), in 2003, of the $6.4 trillion assets managed by Asian wealth management market (excluding Japan), 3.29 trillion came from Greater China. The report also predicts that by the time the next Olympic Games is held in Beijing in 2008, the wealth growth rate in Greater China will reach 27%, reaching 4.2 trillion US dollars, and Chinese mainland will surpass Hong Kong and Taiwan and become the leading force in the growth trend of wealth management market.
Another survey widely quoted in China comes from Shanghai: this sampling survey shows that most Shanghai residents think that "spontaneous financial planning without expert guidance is very risky"; 87% of the respondents said they would accept the financial advice put forward by the bank, and 32% of them were "most interested in the financial consultation and financial plan design of the bank"; 40% people think that "we should increase the investment operation of the agent customers and provide expert services" and "we hope to establish stable and regular business contacts with bank financial experts".
From the above survey results, it can be seen that how to manage money, make good use of one's own money, keep its value and increase its value, and play a greater role has become a topic of concern to more and more people who are gradually getting rich.
Faced with such a huge market demand, the pace of domestic banks to expand high-end personal wealth management business has never stopped. Personal finance business has become a new profit growth point for banks. Chinese and foreign banks have launched their own personal wealth management brands, and they have launched extremely fierce competition in the personal high-end customer market and financial product innovation.
Baidu encyclopedia-private bank
Baidu Encyclopedia-Personal Finance Business