be familiar with your business scope and master several major bank wealth management products.

first, the current wealth management managers, especially the newly appointed wealth management managers, are close to the product salesmen under the pressure of the bank's sales performance, and only know how to constantly promote the products needed for the performance, instead of matching the wealth management products tailored for customers according to their actual financial planning needs. How should we complete the performance under the existing performance pressure and make a reasonable financial planning plan for customers? What skills do we need? First of all, we need to have professional knowledge and product understanding. Secondly, the enrichment of knowledge and the acquisition of various certificates. Suggested order of obtaining certificates: banking qualification certificate (comprehensive+wealth management) -> Insurance sales qualification certificate -> Securities qualification certificate (at least the fund can be tested before it can be sold in compliance) -> AFP-> CFP-> CPB。

second, as a wealth management manager, there will be assigned customers as soon as you enter China Merchants Bank. Of course, there is also the problem of resource allocation between different households, but the same thing is that every wealth management manager has too many customers to contact one by one. It may be difficult for people who are far away from financial sales to understand this advantage. Let's just say that most securities companies, private placements, trusts, wealth companies, small banks, and even foreign banks require financial managers to expand their clients, and there are few or no households. No matter what kind of financial institution you work as a financial manager (wealth consultant, investment and care alike), you all depend on customers for food, so the single customer resource is enough to crush a financial manager.

Third, during my two years in China Merchants Bank, I have studied selling in financial management, insurance, public and private securities investment, equity private equity, trust, gold, etc. This may not be an image. For example, my classmate has reached the supervisor level in a foreign bank, but he doesn't know what trust is. Of course, I don't know if this is a common phenomenon. Basically, China Merchants Bank is omnipotent except that it can't directly trade stocks.

Fourth, more than 8% of the meetings that financial managers usually attend have nothing to do with their majors. Even for product training, they only have a simple understanding of the closed period, product managers, historical performance, subscription and redemption fees, investment, closed period and so on. The "understanding" mentioned here may be just a few words of each item, which can be condensed into a short message of less than 1 words to send customers in groups. In the past two years, the market was not good. In 15 years, the stock market plummeted and there was a shortage of assets in 16 years. Under this background, there were so many meetings with products and tasks and, of course, meaningless that every financial manager had no time to know more about the products, so he began to forward soft articles and text messages, and then reached sales. It can be said that financial managers are quite numb to many products. As a customer, it is meaningless to ask the financial manager if a product is good, because people who sell things must say that the goods are good, but in fact they really don't know that what they have more than customers may only be a historical performance table, and there is a saying in the investment session: historical performance does not represent future expectations, which is shameful.