Financial channel> Banking and Finance> What are the steps in choosing a bank wealth management product?

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

Edit: Rong 360 finishing Source: Rong 360 Date: 2014-03-24

Summary:

Bank financing products seem to have a lot of knowledge in the process of buying and selling transactions. 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: mutual understanding, choose the right product, first, investors should go to the bank to mention
 
 
  Bank wealth management productsThere are also many lessons in the seemingly simple trading process. 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, investors have to go to the bank to propose their ownFinancial managementdemand. Today, the financial services areas of major banks are equipped with professional financial managers to explain and explain to customers. They will follow the standard process to understand your financial situation, investment experience, investment objectives, risk preferences, investment expectations, etc., and fill out Personal Customer Data File Form to create your own profile.

Subsequently, investors should pay attention to which type of financial products are recommended? What is the target of its investment? For example, trust-based wealth management products with high risk and high returns are invested in real estate or other major projects. There are big differences between different products, and investors should choose to purchase according to individual needs.

Step 2: Focus on comprehensive risk assessment

Risk assessment is the most important part of the process of purchasing bank wealth management products. When you have the willingness to purchase a bank wealth management product, the financial manager will guide you to fill out the Individual Customer Investment Risk Assessment Report to understand and confirm your risk appetite, risk perception and affordability, and then You choose the bank wealth management products that suit you. Thereafter, the person in charge of the bank will review the assessment report again to see if there is any salesperson misleading the investor's behavior and avoid false sales and improper sales.

The third step: carefully handle the transaction procedures

When handling the purchase procedures of bank wealth management products, the financial management personnel will remind investors to read the relevant contracts, contracts and risk disclosure books. If you feel the investment risk at this time, you can terminate the purchase of the product. If you have no objection, you can make the funds. Transfer, obtain relevant business documents and receipts. In this session, investors will also be informed of the wealth management product information, the financial manager's contact information and customer service complaints.

Step 4: After-sales and continuous evaluation

Banks will communicate with investors on the latest information and market conditions in the event of major market changes. In addition, the bank will also track and assess the investor's risk tolerance and promptly give corresponding tips. Generally speaking, bank financial management personnel will periodically re-evaluate the investor's “assessment report” or investment proposal every other year and feedback the assessment.

All reviews

                                No comment, you need to stand up and express your opinion!