High-end customer business

1What is personal financial management?

Personal Financial management refers to financial analysis, financial planning, investment consulting, asset management and other professional service activities provided by commercial banks for individual customers.

Individual Financial Management Services of commercial banks are divided into financial advisor services and comprehensive financial management services according to different management and operation modes.

 2.What is personal financial advisor?

Financial Advisor service refers to financial analysis and planning, investment recommendations, personal investment product recommendations, and other professional services provided by commercial banks to customers. Commercial banks do not provide financial advisor services for general business consulting activities such as product introduction, promotion and promotion of savings and deposit products and credit products. In the Financial Advisor service activities, the customer manages and uses funds based on the Financial Advisor service provided by the commercial bank, and undertakes the resulting benefits and risks.

3.What is fortune management center?

 Fortune Center is a management organization for marketing and management of individual high-end customers over of aum300. It provides professional and comprehensive financial services, financial services for proxy customers, non-financial services, and other personalized services for high-end customers.

4What are the targets of the fortune management center?

 The fortune management center serves more than individual high-end customers.

(1) Customer statistics

According to the OCRM system customer Aum, Aum includes the customer's deposits at CCB and various investment products purchased through CCB and other personal financial assets. Investment mainly includes investment and wealth management products issued by funds, government bonds, insurance, and China Construction Bank.

(2) Calculation Method

The average daily Aum of the month is used to evaluate the customer, that is, the average daily deposit balance of the current month + the average daily investment of the current month

Calculation formula:

Average daily deposit balance for the current month = (the deposit balance of a certain account of the customer * Number of days in the current month)/30

Average daily investment for the current month = total investment of Σ customers/30.

Among them: total investment of funds and accounts = share * current net worth

The total investment of profit, income, and national debt is the actual balance held by the customer.

(3) Statistical Rules

Based on the customer's Aum observed for six consecutive months to determine the customer's level changes:

① The customer grade is evaluated based on the monthly Aum (daily average) of the current month, and the customer grade is immediately upgraded in line with the higher level standard. New customers directly grant the customer grade corresponding to the Aum. At this time, the customer status is normal.

② If the customer's Aum (daily mean) in the current month is lower than the original level standard and does not immediately downgrade, customers who fail to reach this standard in three consecutive months will be assessed as follow-up customers starting from 4th months. If Aum of the current month reaches the original or higher level, the customer will be removed.

③ Customers rated as concerned for three consecutive months will be downgraded from 4th months, and the system will automatically downgrade them to the customer level corresponding to the maximum value of AUM for six consecutive months, the Follow mark is canceled.

5. What is the business service scope of fortune management center?

The fortune management center provides business services for individual top customers, including fortune advisor services, banking and investment product services, value-added services, extension services, and other services.

(1) fortune advisor service, It mainly includes personal financial consultation, personalized portfolio recommendations, and comprehensive personal financial planning.

(2) banking and investment product services, mainly including deposit and withdrawal, loans, bank cards and other product combinations, as well as customized Investment and financial management services such as insurance and trust.

(3) Non-financial services, including:

① Value-added services mainly refer to the services provided by banks and third-party enterprises or institutions to top customers.

② Extended services refer to non-financial services provided by banks to customers, including policy consulting, knowledge lectures, salon activities, and family services.

③ Other services, including public business linkages and other personalized and professional services.

6. What is personal high-end customer financial products?

Financial Products of high-end customers refer to capital investment and management products designed for specific target groups or individuals based on analysis and research on the needs of high-end customers of the bank, these include financial products for high-end customers, customized financial products, and standardized financial products released by relevant departments in the industry.

7. What should I pay attention to when my personal financial business personnel handle financial products for high-end customers?

Personal Financial Business personnel should take the initiative to ask the customer about the degree of mastery of Investment and Financial Management knowledge when handling financial account opening business for high-end customers, and carry out corresponding investment risk preference assessment; when conducting financial planning for the customer, you should pay attention to in-depth communication with the customer to fully understand the customer's financial situation, risk tolerance, investment preferences, and other key information, and carry out financial planning based on this; when selling products and purchasing financial products, the customer shall use the standard language to explain the market environment and methods for the operation of related investment tools to the customer, and reveal relevant risks, confirm whether the product is suitable for purchase and inform the customer of the evaluation.In the case that the products purchased by the customer and the customer's risk appetite are seriously deviated, the business personnel should promptly guide the customer.

8. What is a Renminbi structured financial product?

The business of RMB structured financial products refers to personal financial products that are linked to changes in financial market indicators with RMB as the investment principal currency. Related market indicators include interest rates, exchange rates, bonds, credit, stocks, precious metals (including gold), commodities (including crude oil), and the aforementioned indexes. The customer increases the income of the RMB investment principal by taking certain risks (such as market risks and capital liquidity risks. The product income will be paid in RMB, USD, and other currencies, depending on the different situations of each product.

9 . What is the non-financial service of high-end customers?

Non-financial services refer to the purpose of the Bank to improve customer satisfaction and loyalty by integrating internal and external resources with years of Personal Customer Service experience and industry advantages, for the purpose of expanding and maintaining individual high-end customers, apart from credit, settlement, (securities, foreign currency) provided to individual high-end customers) transaction, insurance, asset management, financial consulting, and other comprehensive services. The main content includes:

(1) Value-added services: Mainly services provided by banks and third-party enterprises or institutions to high-end customers, usually services for guests with high value-added airports, medical services, golf services, etc, and use the preferential services provided by the Bank's Fortune Center, Financial Management Center, and business outlets.

(2) extended services refer to the services provided by banks for customers, including policy consultation, knowledge lectures, salon activities, collection appreciation, and family services.

(3) Other personalized services, mainly including: Professional car purchase and purchasing consulting ; personalized Business Travel Service: provides preferential services, information services, and sports services for customers.