1. Asset-liability structure analysis: Financial planners need to know the assets and liabilities of customers, including deposits, stocks, funds, real estate and other assets, as well as loans, credit cards and other liabilities. By analyzing the customer's asset-liability structure, we can evaluate the customer's financial stability and solvency.
2. Income and expenditure analysis: financial planners need to know the income and expenditure of customers, including wages, bonuses, interest, rent and other income, as well as daily living expenses, education expenses, medical expenses and other expenses. By analyzing the customer's income and expenditure, we can evaluate the customer's financial situation and future expenditure plan.
3. Investment situation analysis: Financial planners need to know the investment situation of customers, including stocks, funds, bonds, real estate and other investments. By analyzing customers' investment, we can evaluate customers' investment risks and benefits and provide reference for making financial planning.
Matters needing attention in analyzing customer's financial situation:
1. Confidentiality: The financial status of the customer belongs to personal privacy information, and the financial planner shall strictly abide by the confidentiality obligation and shall not disclose the customer information at will. This is the requirement of professional ethics and the responsibility stipulated by law. In the process of analysis, we should choose a safe and reliable environment to avoid the risk of information leakage.
2. Objectivity: Financial planners need to objectively evaluate the financial situation of customers and cannot exaggerate or cover up the facts. Customers may conceal or exaggerate their financial situation for personal reasons. Financial planners should maintain professional ethics, do not take sides, and evaluate with an objective and true attitude.
3. comprehensiveness: financial planners need to fully understand the financial situation of customers, including assets, liabilities, income and expenditure, investment, etc. We can't just focus on one aspect and ignore other aspects, otherwise it may lead to one-sided analysis results. A comprehensive understanding of the customer's financial situation will help to evaluate the customer's financial situation and future needs more accurately.
4. Depth: Financial planners need to conduct in-depth analysis of customers' financial situation, not only superficial figures and data, but also need to deeply understand the reasons and trends behind them. For example, the customer's debt structure, the composition of the portfolio, the possible future expenditure plan, etc. , all need in-depth analysis and understanding.