Investment is like surfing, don't get dumped by waves

--an interview with China Minsheng Bank Hangzhou Branch, vice general manager of Wealth Management Fan Xiaoli Our correspondent Chen Yuti boat should be Liao production, Beijing, Hangzhou, China report on the economic and financial situation at home and abroad last year, the wealth management business of CMBC Hangzhou Branch also experienced the baptism of market wind and rain, the business has achieved remarkable success　　Financial products sales scale of up to 4.4 billion, habitat Hangzhou interbank joint-stock commercial banks and the headquarters of the forefront of the system. After the baptism of wind and rain and frustration, witness the rainbow and laughter moment, Hangzhou branch Wealth management business is in the direction of the healthy development: "Extraordinary wealth" brand in the Hangzhou investors have been deeply rooted; 2008 "Remarkable Wealth Fortune series" Selected Zhejiang Top ten innovative financial products, and won the Gold Award, for three consecutive years won by the "　　Qianjiang Evening News, sponsored by the Zhejiang Financial Management Expo, "Top Ten Financial Services brand" and "Best Bank Management brand" title. What kind of team is this? What is the financial perspective of the market?　　Recently, the reporter walked into the China Minsheng Bank Hangzhou Branch, listening to their wealth story. China Minsheng Bank Hangzhou Branch, vice general manager of wealth management Fan Xiaoli "Huaxia Times": People who know Bank financial services will find that the financial products introduced by the banks have a strong homogeneity tendency, so once the clients have selected a bank's financial services, they will often form a longer period of dependence with the bank.　　In the bank's financial products more and more homogeneous today, Minsheng Bank Hangzhou Branch Wealth management business in the fierce competition in the market in an invincible position? Fan Xiaoli: The homogeneity of financial products has been very serious, the banks are in a competitive "Red Sea".　　Customers choose a bank's financial services, in addition to traditional financial products, pay more attention to differentiated services. Minsheng Bank's "extraordinary wealth" brand has three main connotations, "extraordinary professional team", "extraordinary exclusive products" and "extraordinary special services." Minsheng Bank has "3+n" VIP Customer Service System: "3" refers to the Minsheng Bank of our VIP clients have hospitals, golf, airport three VIP platform services; "N" refers to the local characteristics and customer needs to carry out personalized VIP services, such as Hangzhou branch in the Jianggan Sports Center has badminton exclusive venues,　　We also provide the people's livelihood VIP SMS services, and so on, all of these are committed to providing customers with valuable services to achieve the goal, so that customers and the bank win the situation. "Huaxia Times": Hangzhou is a good quality of life of paradise, but also a gathering of China's wealth, your bank also has a lot of high net worth of customers, and these rich people in the process of dealing with, how do you feel?　　What advice do they have on their financial investments? Fan Xiaoli: "Quality of life, quality of Hangzhou" created Hangzhou as a rich paradise. The fresh release of the 2009 Hurun Report gives the best answer: in terms of the density of millionaires, 6 of every 10,000 people in the country are tens of millions, and 22 of every 10,000 in Zhejiang province are tens of millions of billionaires;Say, Hangzhou ranked fourth in the country, tens of millions of dollars and more than the rich have nearly 45,000 people. For the affluent people to provide tailor-made "one-to-one" financial services, in line with Minsheng Bank "to high-end customer-oriented, take into account the public customer" customer positioning. Deal with them the biggest feeling is: low-key, introverted and stable, attaches great importance to privacy, focus on exclusive products, demand financial advisory services, hope to get more respect and investment ideas and suggestions.　　At the same time, the rich people generally have a wealth of life experience and experience accumulation, the view of the investment of ordinary working-class customers more personal insight. So in dealing with these wealthy people, banks need to show more professional expertise in their financial advisers.　　In the provision of traditional financial services, from the customer's personality needs, based on the family's different life cycle stage, in investment and financial management, personal tax, children's education, retirement pension, property inheritance and so on, trying to achieve "Butler-style" service.　　Under the current economic and financial situation, under the precondition of controlling the risk, it is suggested that the rich people or the risk-loving customers at the top of the pyramid can try to increase the investment proportion of the precious metals, real estate, artworks and luxury goods against inflation.　　"Huaxia Times": Recently Hangzhou's property market has warmed up, how do you think of real estate in the investment and financial value and configuration? Fan Xiaoli: I personally think that although the housing market has shown signs of warming, but it does not mean that the property market has moved from "Winter" to "spring."　　If the economic environment is not getting better, the real estate market can not be a fundamental recovery, the recent market has warmed the market, our analysis is due to: first, the release of rigid demand, mainly reflected in the school district room and the rise of the suburban house turnover; At present, the Hangzhou main urban area better or the Old City "school District Room" is one of the favorite objects, but as a residential investment, in the long run, its growth potential is not very optimistic, especially the "school District Room", with the future changes in the admission system, the risk is worthy of attention, on the other hand, in the long run, At present, the return on the investment of the shop is generally larger than the residential property return, investors can focus on and configure the investment of the shop; In addition, villas and townhouses due to the scarcity of land resources and other characteristics, the future value-added potential is relatively good, the proposal can focus attention.　　From the time of investment, we expect the low point of real estate investment to be formed around the end of 2009. "Huaxia Times": As a branch of the Wealth Management center of the deputy general Manager, you can be a wealth management experts in the field, experience the impact of the financial turmoil, your investment philosophy and financial attitude changes? 　　Advise investors to apply what mentality and way to manage personal wealth? Fan Xiaoli: The global financial turmoil, the impact on many people are not small, but as consumers and investors, my personal investment philosophy and financial attitude has not changed much, because, investment in finance itself needs to maintain a good mood, grasp aReasonable rhythm. It is suggested that investors should have a peaceful and steady state of mind. Now looking back, the financial turmoil has only made the wave of investment bigger. Gorky has a masterpiece called "Haiyan", said is the wind and waves in front as long as we bravely through, then the storm can still see the rainbow. Then the big wave will be past, do not be frightened to be at a loss, want to sail again by the wave. Investment and financial management, we should do a reasonable allocation of assets, set reasonable revenue targets, and do a good job in the control of investment risk; The aim of asset allocation is to make the investment income preset under the precondition of controlling the risk, and adjust the asset allocation according to the market rhythm to achieve the profit target.　　Be a successful surfer, not be hit by the waves, and not be lost by the waves! "Huaxia Times": Can you share your leadership of the team's wealth management story (unique culture of people's livelihood, let people feel more warm)?　　How do you evaluate your role in the team? Fan Xiaoli: Our team after years of actual baptism, there are many memorable and shared stories, let me feel particularly gratified is: in the second half of 2008, due to domestic and foreign financial and economic situation mutation, the maturing of the wealth management products appear 0 of income or negative income, in the face of customer dissatisfaction and accusations, Our team members always stand on the front line, step by step, patiently reassure customers, and even some team members with 7 months pregnant, climbed 6 floors to reassure customers. "The sun always after the rain, please believe there is a rainbow," with such a belief, we survived this difficulty. Recently, affected by the recovery of the capital market, the "Shanghai and Shenzhen 50" products have a substantial rebound in net worth. Many of the original emotional customers know the current product benefits, all said "Thanks"! And also expressed the willingness to accept the products of Minsheng Bank.　　The sincere pay always has the return, very happy our sincere pay finally has exchanged the customer understanding. My age is not the same as the team members, our team has 38 members, I position myself as a "big sister" position, for these "little brothers and sisters", I adhere to the "high standards and strict requirements", on the other hand, "to cut through, spare no effort" to protect their growth. Hope they grow fast and become the backbone of independently.　　Recently, we held a special team outdoor training, they show the kind of team cohesion and standing at the height of the courage and confidence to challenge themselves, let me move, I think this team has gradually matured, the team core competitiveness began to appear, I am more confident of my team.　　Looking back on the past, look at the present, looking to the future, today's Hangzhou branch Wealth management business, team staff neat, smooth operation flow, is a positive and full posture, set sail! Lots, lots, or lots. Profile: Chen Lu, Bachelor of Economics from Zhejiang University, International Financial Planning Division CFP holder, with insurance agents, banks, securities, fund sales practitioners qualification certificate. 5 years of experience in financial industry, proficient in bankingFinancial products, familiar with securities, funds, insurance business, for customers to carry out financial planning, asset allocation and product selection. Recently, the Hangzhou market has concentrated on the phenomenon of heating up, volume amplification, Sales price presents a single month, the trend of rising, personally think this does not indicate that the Hangzhou property market began to enter a continuous upward channel.　　The recent two-month turnover was mainly due to the rigid demand of buyers who wait and see in the second half of last year. There are many factors involved in the choice of housing, but the key to the appreciation of home real estate investment is still "lot". For the home, the choice of the location is mainly determined by the living package and the living radius. The radius of life, that is, the scope of their work and life activities. Different buyers of housing and living with the radius of the requirements will be different.　　But some basic factors are unchanged, such as the traffic around the real estate is convenient, schools, supermarkets, hospitals, gymnasiums and other basic living facilities are available, the surrounding ecological environment is good and so on. The only criterion for a lot of investment housing is the value-added potential.　　Select the potential for appreciation of the lot to be comprehensive and forward-looking, is to take into account the real estate sector and daily life of the tightness and convenience, and urban planning, regional planning and other information to have as much accurate understanding. Buying a house is a big investment in the family, and investors want to keep the value of the property as high as possible. But as a common property investors, the property market is often difficult to control the ups and downs.　　If you have a very good grasp of this element when choosing a house, the property you invest in will rise faster in the bull market and will be more resilient in a bear market. Life Insurance Insurance Life Financial Manager profile: Qishong, Bachelor of Economics in Suzhou University, International financial management CFP holder, with insurance agents, foreign exchange practitioners qualification and fund sales practitioners qualification certificate.　　With 6 years of experience in the financial industry, proficient in individual banking and insurance business products, according to the customer's different stages of life and family needs, financial objectives and the degree of risk can be sustained to provide customers with portfolio investment. Insurance is a known guarantee for the future of our unknown life, and how to determine our own insurance needs and choose the right kind of insurance is critical.　　In this regard we generally follow the purchase of insurance four-word policy-"light, heavy, slow and urgent." Light: To return type, investment type insurance is "light".　　Because such products are characterized by regular return, investment dividends, from the perspective of protection is not too big, if the first purchase of such products, is undoubtedly the cart before the horse. Heavy: Adults as the "heavy", the family economic pillar to cover the amount of "heavy".　　From a certain point of view, the adult itself is a "insurance", the adult insurance coverage, in order to ensure the entire family. Slow: Take the child as "slow". Chinese parents always think of children first, and insurance is no exception. Many parents think it is foolproof to buy insurance for their children, but they don't think it is suitable for the needs. Buy insurance should be aware of adults for the first place, children stay, give or only to the children to buy insurance, to children and homeThe protection of the Court can not reach the maximum. Urgent: Buy Health is the "urgent".　　Medical costs are getting higher, and one person's illness is a common tragedy for the family, so it is best to insure health insurance early. Of course, do not forget that even after the insurance policy will be regularly checked every year oh.　　In short, the life insurance, and to do insurance life, a happy life, can be ensured. Product Manager: Lu Tian, Zhejiang University of Technology, Business Administration (postgraduate) professional, CFP holding witness. 2006, one of the top ten bank financial advisers in Zhejiang province.　　It is very profound to the foreign currency finance, fund, foreign exchange, insurance, securities and trust business.　　Professional speech: I am the market, the wind and waves, the market is me, homeopathy. Financial Manager: Fujiangkuan, master of Business Administration, Zhejiang University of Technology, CFP holder, with insurance agent, securities and fund sales practitioners qualification certificate.　　Familiar with securities, funds and insurance and other financial investment tools, flexible building product mix, to help customers reduce revenue and increase wealth.　　Career speech: Money is a marathon, not a sprint. Financial Manager: Hongzhongdong, Zhejiang University, University of Finance, Bachelor of Science, CFP holder, with insurance agents, accounting qualifications and fund sales practitioners qualifications and other certificates.　　14 years experience in financial industry, good at family (Enterprise) comprehensive financial planning.　　Professional speech: Let us manage your wealth together. Financial Manager: Chen Fu, Australian Macquarie University, Master of Finance and economics, CFP holder, with foreign exchange practitioners, insurance agents, fund sales, banking qualifications and other certificates.　　Good at communicating with customers at home and abroad cultural differences and financial investment characteristics.　　Career speech: Step, with you to impossible (impossible) into possible (possible). Financial Manager: Jin, Newcastle University, Australia Master of Applied Finance, CFP holder, with bank practitioners, insurance agents, fund sales practitioners qualifications and other certificates.　　Familiar with various domestic financial investment products, can grasp the pulse of the market, to provide customers with reasonable investment advice. Professional speech: Happy Financial management, enjoy life.