Financial planning business is quite mature in developed countries, and the practitioners who specialize in financial planning business are called financial planners, which is a respected profession. Financial planners serve customers faithfully and objectively for a long time, and often enjoy the status of quasi-family members in many families.
In China, the ancient folk financial management thought with the basic goal of getting rich for families or individuals sprouted in the Spring and Autumn Period, initially formed in the Warring States Period and matured in the middle of the Western Han Dynasty, marked by the publication of Historical Records written by Sima Qian. Historical Records, especially Biography of Huo Zhi, contains rich thoughts of ancient folk finance in China, which is an important milestone in the development history of folk finance in China.
With the rapid development of China's economy in the past 30 years, the middle class and wealthy class are rapidly forming. A considerable number of people's financial management concepts have gradually developed from the stage of radical investment and rapid accumulation of wealth to the direction of steady and conservative investment, capital security and comprehensive financial management. Therefore, the demand for financial planners who can provide objective and comprehensive financial management services has increased rapidly, and China has become one of the fastest growing countries in the world.
At present, the concept of financial planning has been gradually known in the financial industry, especially in insurance companies and commercial banks. Many insurance companies and commercial banks have set up special personal finance studios or financial departments to provide customers with corresponding financial services. The certification examinations for international financial planners, such as CFP, CHFC, IFA, etc., are based on the national conditions of developed countries and local personal financial conditions, which are not in line with China's national conditions and personal financial conditions to some extent, and have not been recognized by our government at present. Therefore, in view of the strong social demand for financial planners and the absence of national standards for financial planners, the National Professional Appraisal Center organized relevant experts to formulate the National Professional Standards for Financial Planners according to China's national conditions, which came into effect on 20031October 23, 65438, thus formally defining financial planners as a profession. In order to adapt to the promotion and development of the financial planner profession in China, the National Professional Appraisal Center revised the original standard in mid-2005, and the new standard has been greatly changed on the original basis to better reflect the professional requirements for financial planners.
Thirty years ago, the American financial industry took the lead in breaking the knowledge limitation of financial managers in independent systems such as banking, insurance, securities, taxation and law, requiring financial planners to fully absorb the essence of knowledge and skills in almost all fields of the financial industry and provide customers with comprehensive and adequate financial services.
In practice, financial planners can not only serve financial institutions, such as commercial banks and insurance companies, but also practice independently and provide financial services to customers as a third party. 1997 The average annual salary of financial planners in the United States was $65,438 +0 1 10,000, which was equivalent to the middle managers of large companies. The difference is that many of them only work 600 hours a year. In 200 1 America's "Job Evaluation" ranking, financial planners ranked first, including the presidency.
Personal financial management is to make a financial plan, properly manage personal financial resources, and realize life goals by constantly adjusting the plan, so as to reach the highest level of financial freedom and financial dignity. However, nowadays, various financial management methods and innovative financial management tools emerge one after another, and people in different life stages have different needs for financial management tools. From cash flow management to insurance planning, from investment planning to tax planning, from retirement planning to real estate planning, financial planning has become more and more complex and highly specialized. With the rapid development of China's economy in the past 30 years, the middle class and wealthy class are rapidly forming, and a considerable number of them are gradually developing from the stage of radical investment and rapid accumulation of wealth to the direction of steady and conservative investment, capital security and comprehensive financial management, so the demand for financial planners who can provide objective and comprehensive financial management services is growing rapidly. In contrast to the rising demand for financial services, the number of financial planners in China is obviously insufficient. The scale of China's domestic wealth management market far exceeds 654.38 billion yuan. A mature financial market requires at least one professional financial planner in every three families. Therefore, there is a gap of 200,000 financial planners in China and more than 30,000 in Beijing alone. In China, less than 65,438+00% of consumers' wealth has been professionally managed, compared with 58% in the United States.
In the Global Wealth Report in 2005, the concept of personal wealth expanded from real estate and automobile bank deposits to insurance, bonds, stocks, funds, antiques, calligraphy and paintings, jewelry, etc., which gave ordinary people a new understanding of "wealth", and thus, people gradually paid attention to financial managers for the people. Some insiders believe that if 2003 is called the first year of credit card, 2004 is the first year of personal financial products, and 2005 can be called the first year of financial planner. In 2005, financial planners began to be certified nationwide, stipulating that in order to obtain the qualification of financial planners or practice in the name of financial planners, they must pass the entrance examination for financial planners. At the beginning of the same year 1 1, the first batch of 42 people passed the examination and were awarded the national financial planner.
So what's the salary of this new job? It is understood that the average annual income of financial planners in the United States is 65,438+065,438+000,000 US dollars, and the highest income of financial planners in Hong Kong last year reached more than 2 million Hong Kong dollars. Liu Yanbin, secretary general of the National Expert Committee of Financial Planners, believes that the annual salary of domestic financial planners "should be between100000 RMB". With reference to the macroeconomic situation in China, it is not difficult to predict that financial planner will become another golden collar career with broad development prospects in China after lawyers and certified public accountants.