Third-party financial institutions originated in the United States, Canada and other countries. China and Hongkong only started 10 years ago, and the mainland only started to rise quietly in recent two years.
At present, there are about three kinds of third-party financial institutions: one is as a professional consultant of many financial institutions, and the service target is mainly financial institutions; The other is to provide services for high-end customers, completely standing in the position of customers, mainly charging private customers; There is another kind of institution between the above two types of institutions, which provides services for both financial institutions and customers in one institution, but there must be relevant risk control measures and means within the institution to ensure the fairness of its opinions.
It is very important that, in principle, financial planners engaged in financial management must fully disclose to investors in advance, so that investors can know their choices. All written reports of financial planners, the disclosure of all income of financial planners and the indirect remuneration provided by financial institutions should be disclosed to investors in advance. Because third-party financial institutions will cover the products of many different financial institutions, their fairness is more acceptable to customers.
This service-oriented financial management service abandons the short-term benefits of the product's "instant success" and pays more attention to the long-term financial management interests of customers. Some financial planners have even established a deep friendship with their clients.
Advantages of third-party financial management
First, be completely loyal to the interests of customers. Because of its third-party characteristics, third-party financial management can make up for the deficiency of current separate operation, change and optimize the sales model of traditional financial products, and establish a neutral financial management service model with customer interests as the core.
Second, one-on-one personalized financial management. Unlike banks, insurance institutions and other financial consultants who provide specific investment advice or sell financial products, third-party independent financial consultants provide overall financial planning strategies and solutions, which will help customers make a long-term executable plan. He focuses on customization and personalization.
Third, independence and justice. Because of its independence and impartiality, third-party financial management can avoid the influence of financial institutions and use its professional knowledge to choose financial products that truly meet the interests of customers.
Fourth, all-round financial services. Independent financial institutions can provide customers with all-round services, including securities, bonds, insurance and other financial products, including traditional asset management business and overseas investment planning, and provide all-round financial services.
Fifth, information and information are incomparable. Third-party wealth management and financial institutions have close cooperation in information, settlement and information system, and can make use of their cross-industry and cross-field advantages to form a large-scale financial product supermarket.
Sixth, third-party independent financial institutions help customers to invest and consume rationally and avoid "nouveau riche bankruptcy".