And marketing ability. In the work of training talents for investors, we should convey to ordinary investors the investment ideas such as not putting eggs in one basket, avoiding risks, staying away from the stock market, portfolio investment and macro hedging.
Wealth management refers to designing a comprehensive financial management plan with customers as the center, and managing customers' assets, liabilities and liquidity by providing customers with a series of financial services such as cash, credit and portfolio, so as to meet customers' financial needs at different stages and help customers achieve the purpose of reducing risks and increasing wealth. The core of wealth management is to take customers as the center and distribute assets and income reasonably. We should not only consider the accumulation of wealth, but also consider the protection of wealth, thus extending to personal wealth management and asset management. At present, commercial banks have rich types of wealth business and distinctive brand characteristics. However, most services are similar. We should focus on: First, account management services. With the convenient short-term financing conditions and advanced clearing system, we provide customers with services such as deposit and withdrawal, investment, loan, settlement and intelligent transfer. This is the most basic and simple content of financial services. For bank wealth management customers, these services are basically free of service charges.
The scope of wealth management includes cash saving and management, debt management, personal risk management, insurance plan, portfolio management, retirement plan and inheritance arrangement. Wealth is generally divided into personal wealth, social wealth and national wealth. Wealth management refers to designing a comprehensive financial management plan with customers as the center, and managing customers' assets, liabilities and liquidity by providing customers with a series of financial services such as cash, credit, insurance and portfolio, so as to meet customers' financial needs at different stages and help customers achieve the purpose of reducing risks, maintaining and increasing value and inheriting.
With the continuous growth of high net worth people, the market competition is becoming increasingly fierce. How to manage the preservation and appreciation of assets is the focus of attention, and the emergence of financial management is a good medicine. Since its establishment, Youmai has been committed to screening global investment opportunities for China Family Finance Office, providing personalized asset management solutions and supporting the establishment and operation of Family Finance Office.