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What are the steps for choosing a bank wealth management product?

Edit: Financial 360 finishing Source: Fusion 360 Date: 2014-03-24

Summary:

The process of seemingly simple transaction of bank financing products also has many learnings. In order to avoid unnecessary problems in the transaction process, investors can follow the following four steps to purchase bank wealth management products. The first step: to understand each other. To choose the right product First, investors should go to the bank
 
 
  Bank financial productsThe seemingly simple process of buying and selling transactions also has many learnings. In order to avoid unnecessary problems in the transaction process, investors can follow the following four steps to purchase a bank:Financial product.

The first step: mutual understanding

First of all, investors have to come to the bank to propose their ownFinancial managementdemand. Today, the wealth management service areas of major banks are equipped with professional wealth managers to analyze and explain to customers. They will understand the details of your financial situation, investment experience, investment objectives, risk preferences, investment expectations, etc. in accordance with the standard process, and fill in Personal Account Profile Form to establish your personal data file.

Subsequently, investors should pay attention to which type of financial product is recommended? What is its investment target? For example, trust-type wealth management products with higher risks and returns are invested in real estate or other major projects. There is a big difference between different products. Investors should choose to buy according to their own needs.

Step Two: Pay Attention to Comprehensive Risk Assessment

Risk assessment is the most important part of investors' purchase of bank wealth management products. When you have a willingness to purchase a bank's wealth management products, the financial staff will guide you to fill out the “Individual Customer Investment Risk Assessment Report” to understand and confirm your risk appetite, risk perception ability and affordability, and then You choose your own bank financing product. Afterwards, the head of the bank will also review the assessment report again to see if there are sales staff misleading the investors and to avoid erroneous sales and improper sales.

The third step: earnestly handle the transaction procedures

When handling the purchase of bank wealth management products, the financial management personnel will remind investors to read related contracts, contracts and risk disclosure books again. If at this time you are tempted to feel investment risks, you may terminate the purchase of the product, and if there is no objection, you can make funds. Transferring, obtaining related business documents and receipts. In this session, investors will also be informed about the route of inquiry for financial product information, the contact details of the financial management manager, and customer service complaints.

Step Four: After Sales and Continuous Evaluation

The bank will communicate with investors in the most up-to-date information and market conditions in the event of major market changes. In addition, the bank will also follow up and evaluate the risk tolerance of investors, and give corresponding prompts. In general, the bank's financial management staff will periodically reassess the investor's "assessment report" or investment advice every other year and give feedback on the assessment.

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