What are the main forms of wealth management in China

One is a non-public institution, which is not open to other clients, and is mainly aimed at specific wealthy families. Its typical representative is the family office. The family office supervises the entire family, especially the family that owns the business, including the comprehensive management of the enterprise itself, other assets other than family wealth and financial assets, and social brand image.

The other type is public institutions, which are open to all clients and are not targeted at specific investors. Typical representatives are family trusts, private banks, etc. Family trusts have the characteristics of personalization and flexible customization, and can design trust plans to meet various needs, and have always been favored by high-net-worth and ultra-high-net-worth individuals.

Since its establishment, Umai has been committed to supporting the growth and development of Chinese family offices and independent wealth offices, providing a series of professional services such as investment risk management consulting, global investment opportunity screening, personalized asset management solutions, family office creation and operation support.

Differences between asset management business and wealth management business:

1. Different definitions:

1) The meaning of asset management business: asset management business refers to the behavior of financial investment companies such as **, **, **, etc., as asset managers, operating customer assets and providing customers with investment management services of ** and other financial products in accordance with the methods, conditions, requirements and restrictions agreed in the asset management contract. (2) Wealth management refers to the customer-centric, design a comprehensive set of financial planning, by providing customers with a series of financial services such as cash, credit, insurance, investment portfolio, etc., to manage customers' assets, liabilities and liquidity, so as to meet the financial needs of customers at different stages, and help customers achieve the purpose of reducing risks and achieving wealth appreciation.

Wealth management includes cash savings and management, debt management, personal risk management, insurance plans, portfolio management, retirement planning and estate planning.

2. The object of emphasis is different. (1) Asset management pays special attention to the rate of return competition, such as the performance evaluation of investors on asset managers, not only long-term performance to compete, short-term performance to compete, such as the performance of the best manager, not only 3 years, 5 years, but also half a year, month to month, which will bring great pressure to asset managers, emotional negative effects will bring short-term and irrational portfolio allocation, which will bring unnecessary fluctuations to the capital market. (2) Compared with asset management, wealth management is obviously a step further.

The subject of wealth management is people, and the object is also people. Because of this, wealth management emphasizes asset allocation based on each individual's risk-return characteristics. Wealth management is mainly aimed at individual investors, and does not pursue unnecessary competition between different products.

3. Detailed application of asset management business and wealth management business

1) Application of property management business:

**The company handles targeted asset management business, and the net asset value of a single customer shall not be less than RMB 1 million**The company may increase the minimum net asset value entrusted by the company's customers on the basis of the prescribed minimum limit.

**The company handles collective asset management business and can only receive assets in the form of monetary funds. **If the company establishes a limited collective asset management plan, the amount of funds accepted by a single client shall not be less than RMB 50,000; For the establishment of an unrestricted collective asset management plan, the amount of funds accepted from a single client shall not be less than RMB 100,000.

2) Detailed application of rich management business:

Account Management Services. Taking advantage of the bank's convenient short-term financing conditions and 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 part of a wealth management service.

For the bank's wealth management customers, these services are essentially free of service fees. Account management services are based on credit cards.

Transactional services. This is the main wealth management business that banks use to attract customers, and it is also a strong point in the bank's wealth management business. Including RMB wealth management business and foreign exchange wealth management business.

Summary. Wealth is generally divided into three types: personal wealth, social wealth, and national wealth.

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The main feature of wealth management is the management of cash.

Wealth is generally divided into three types: personal wealth, social wealth, and national wealth.

Wealth management refers to the customer-centric, design a comprehensive set of financial planning, by providing customers with a series of financial services such as cash, credit, insurance, investment portfolio, etc., scattered or manage customers' assets, liabilities and liquidity, so as to meet the financial needs of customers at different stages, and help customers achieve risk reduction, wealth preservation, material appreciation and inheritance.

Wealth management business is a comprehensive financial service for customers and assets under management, which takes stable and deepening customer relationships as the core, a variety of macro financial products as tools, professional and mature services as a think tank, and convenient modern technology as the support, and finally achieves better profit contribution in the two dimensions of wealth management institutions and customers, so as to achieve a win-win situation.

Wealth management encompasses a wide range of areas, including cash savings and management, debt management, personal risk management, insurance planning, portfolio management, retirement planning and estate planning.

Wealth is generally divided into three types: personal wealth, social wealth, and national wealth. Wealth management refers to the customer-centric, design a comprehensive set of financial planning, by providing customers with a series of financial services such as cash, credit, insurance, investment portfolio, etc., to manage customers' assets, liabilities and liquidity, so as to meet the financial needs of customers at different stages, and help customers achieve the purpose of reducing risks, achieving wealth preservation, appreciation and inheritance.

Answer: A, B, C, D

In addition to asset allocation, pre-consumer wealth management also includes the accumulation of wealth per mu, wealth protection and wealth distribution.

Broadly speaking, wealth management refers to customer-centric, designing a comprehensive set of financial planning, and managing customers' assets, liabilities and liquidity by providing customers with a series of financial services such as cash, credit, insurance, and investment portfolio, so as to meet the financial needs of customers at different stages and help customers achieve the goal of reducing risks and achieving wealth appreciation.