Wealth management refers to designing a comprehensive financial plan with customers as the center, managing customers' assets, liabilities and liquidity by providing customers with a series of financial services such as cash, credit, insurance and portfolio, meeting customers' financial needs at different stages, and helping customers achieve the purpose of reducing risks, preserving wealth, increasing value and inheriting.

The scope of wealth management includes: cash savings and management, debt management, personal risk management, insurance plan, portfolio management, retirement plan and inheritance arrangement.

The financial services of commercial banks are rich in varieties and their brands have their own characteristics. Financial management content mainly focuses on the following aspects:

I. Account management services

Using the convenient short-term financing conditions of the bank and the 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 in wealth management services.

Second, transaction services.

This is the main wealth management business used by banks to attract customers, and it is also the strength of bank wealth management business. Including RMB wealth management business and foreign exchange wealth management business.

Third, wealth management consulting services.

Relying on its own advantages in information and talents and extensive cooperation with financial institutions such as securities, insurance and funds, banks provide customers with a series of financial advisory services such as financial planning, investment advice and financial consultation. Wealth management consulting service is an advanced stage of wealth management. Its carrier is one-to-one, one-stop account manager service.

Four. Various preferential measures

This is an incidental service designed by banks to stabilize wealth, manage customer resources and win more customers. It can be regarded as a pre-meal snack and a dessert. These services are provided free of charge.

As a bank's wealth management customer, you can generally give priority to handling various businesses, giving priority to providing various tight investment and wealth management products (such as reserving the amount of national debt), and enjoying many services such as business fee reduction and exemption. Most of the bank's wealth management customers belong to the middle and high income class in society.

Verb (abbreviation of verb) enterprise asset management business

At present, the enterprise asset management business of China's commercial banks is still in its infancy. It mainly focuses on providing daily financial supervision, fund allocation and other account management services for enterprises, as well as consulting services such as mergers and acquisitions, bond and bill issuance, fund custody and project cost consultation.