Banks and brokers can be selected for investment and financial management, as long as they are formal platforms.

Bank financing is handled at the counter. Bank RMB financing products can be roughly divided into bond type, trust type, linked type and QDII type.

when opening a stock trading account, you can open an account by downloading the account opening APP from the official website of the securities firm, or you can make an appointment with a financial consultant to open an account and get more follow-up services at the same time.

1. The work of a financial consultant mainly includes:

1. Meeting and communicating with customers, grasping the information of customers, analyzing the basic situation of customers, grasping the financial objectives and needs of customers, and providing financial advice to customers;

2. Guide customers to record financial revenue and expenditure and assets and liabilities accounts, analyze the financial revenue and expenditure of customers, and judge the financial status of customers.

3. independently design a feasible scheme according to the needs of customers and give specific operational guidance.

4. Collect the feedback from customers in time, analyze the implementation results of the scheme and write a report.

second, knowledge requirements

major in finance or finance, with basic knowledge of economics, consumption expenditure, insurance, investment, monetary finance, industrial investment, taxation, financial accounting and related laws and regulations.

skill requirements: proficient in English

experience requirements: experience in securities, insurance and banking.

professionalism: you need to have the ability of rational analysis and problem solving, be good at communication, have a strong sense of responsibility, have good personality and professional ethics, and be relatively independent in your work.

What characteristics should an excellent financial adviser have?

A versatile financial generalist. An excellent financial adviser should be familiar with not only financial products, but also various investment tools and products, such as insurance, securities, real estate and even stamps, gold, etc., as well as the mastery and application of relevant laws and regulations. Only by having considerable professional knowledge and keen insight, and constantly updating what he has learned, can he provide valuable services to customers.

1. Strong professional background

Behind an excellent financial adviser, there should be a strong data and policy platform as support to ensure that the scheme formulated for customers can avoid possible risks.

2. Good professional quality

Have a good reputation, put customers first, and strictly observe the privacy and confidentiality of customer information.

Personal financial management rose in the early 199s in the United States and matured in the late 199s. After more than 1 years of development, independent financial consultant has become a new profession. The savings of domestic residents in China have exceeded 1 trillion yuan. According to the survey of professional financial websites, 78% of the respondents have demand for financial services; More than 5% people are willing to pay for financial services. In the next 1 years, China's personal finance market will grow at an average annual rate of 3%, and it will become a country with great potential after the United States, Japan and Germany. According to experts, according to an estimate of 1 financial advisors, the gap of domestic financial advisors is at least 1,.

Quality requirements

1. Rich knowledge of finance, investment, economy and law? Financial planners should be "all-rounders+experts", which means that financial planners should systematically master the knowledge of economy, finance, investment and law, and be experts in some aspects, such as insurance and securities.

2. Customers with good personality and professional ethics are the "parents" of financial planners. Financial planners should take the interests of customers as the service center and always think about customers, not just selling products to customers. In addition, it is also important to keep customers' personal secrets. Many customers' privacy is involved in the process of financial planning. As a private financial consultant of customers, it should be kept strictly confidential.

3. Financial planners who work in banks, securities and insurance companies have more or less the purpose of promoting products while making financial planning for customers. This is an objective problem. However, the promotion of products should be based on the interests of customers, and should not be "managing money for promotion". In the future, there will be many "independent financial management companies" in the society. These financial management companies are independent and not attached to some financial institutions. They help customers choose investment products from the customer's point of view and realize their financial management goals.