Wealth management Wealth management refers to designing a comprehensive set of financial plans with the customer as the center, and managing the customers' assets, liabilities, and liquidity by providing customers with a series of financial services such as cash, credit, insurance, and investment portfolios.
, to meet the financial needs of customers at different stages, and to help customers reduce risks, achieve wealth preservation, appreciation and inheritance, etc.
The scope of wealth management includes: cash savings and management, debt management, personal risk management, insurance planning, investment portfolio management, retirement planning and estate arrangements.
The wealth management services of various commercial banks are rich in variety and their brands have their own characteristics. The wealth management content mainly focuses on the following aspects: 1. Account management services use the bank’s convenient short-term financing conditions and advanced clearing system to provide customers with deposits and withdrawals.
, investment, loans, settlement, intelligent transfer and other services.
This is the most basic and simplest content in wealth management services.
2. Transaction services are the main wealth management business used by banks to attract customers, and are also the strengths of banks’ wealth management business.
Including RMB financial management business and foreign exchange financial management business.
3. Wealth management advisory services Banks rely on their own advantages in information and talents, as well as extensive cooperation with financial institutions such as securities, insurance, and funds, to provide customers with a series of financial advisory services such as financial planning, investment advice, and financial consulting.
Wealth management advisory services are an advanced stage of wealth management.
Its implementation carrier is one-to-one, one-stop customer manager service.
4. Various preferential preferential measures. These are incidental services designed by banks to stabilize wealth management customer resources and win more customers. They can be regarded as pre-dinner snacks and post-dinner desserts.
These services are provided free of charge.
As a wealth management customer of a bank, you can generally enjoy priority in handling various businesses, priority in providing various in-demand investment and wealth management products (such as reserved treasury bond quotas), and enjoy multiple business fee reductions and exemptions.
Most of the bank's wealth management customers belong to the middle-to-high-income class of society.
5. Enterprise asset management business At present, the enterprise asset management business of my country's commercial banks is still in its infancy.
It mainly focuses on providing enterprises with daily financial supervision, fund allocation and other account management services, as well as providing consulting services for corporate mergers and acquisitions, bond and bill issuance, fund custody, project cost consulting, etc.