What is third party banking and how to choose third party banking

Hello! Third-party wealth management refers to those independent intermediary financial institutions, which do not represent banks, insurance and other financial institutions, but can independently analyze the financial status and financial needs of customers, judge the required investment tools, and provide comprehensive financial planning services. As an independent third-party financial institution, it does not represent ** companies, banks or insurance companies, but stands in a very fair position to help customers analyze their own financial situation and financial needs in strict accordance with the actual situation of customers, and equips various financial tools in personal financial management plans in a scientific way.

Usually, a third-party independent wealth management institution will first understand the basic situation of the customer, including the asset status, investment preferences and wealth goals, and then customize the wealth management strategy for the customer according to the specific situation, and provide wealth management products to achieve the customer's wealth goals.

The owner of the third-party independent financial advisor is the client, and as an "employee", they act entirely in the client's own interest. At the 8th Financial Expo in 2010, the hot scene and relaxed atmosphere showed that the speaker shared his experience with everyone, conveyed the concept of happy financial management, and satisfied people's thirst for financial knowledge, which had a completely different effect from financial institutions promoting their products under the guise of financial management.

Hello, the so-called third-party wealth management refers to those independent intermediary financial institutions, which do not represent banks, insurance and other financial institutions, but can independently analyze the financial situation and financial needs of customers, judge the required investment tools, and provide comprehensive financial planning services. As an independent third-party financial institution, it does not represent ** companies, banks or insurance companies, and stands on a fair standpoint to help customers analyze their own financial situation and financial needs in strict accordance with the actual situation of customers.

Hope, thank you!

1. China's third-party financial institutions are currently very immature, basically financial management needs to be attached to financial institutions, which is related to the difference between Chinese and Western cultures and concepts, in the West financial planners are charged by the hour, according to the plan, the commission of the product is only part of the income of the financial planner, and in China's financial management is currently no one will pay by the hour, because they think that the time and program of the financial planner is free, and the products they buy are the return to the financial planner.

2. I have the impression that the CBRC once had a management method for wealth management, but wealth management on behalf of customers mainly relies on agreements to regulate the rights and obligations of both parties.

3. Financial management is a very broad concept, not only in terms of financial management, but also to achieve financial freedom in a person's life, including insurance, inheritance, retirement planning, planning for various emergencies, etc., asset appreciation is only one of the aspects, I really want to be able to plan for different people to meet the needs of different people, and need to have a wide range of knowledge. You can take a look at the books of AFP CFP, these two certificates are the highest level certificates in the field of financial management in China.

4. Third-party wealth management is quite immature in China, but it is the direction of future development; Private placement requires you to have a deep understanding of the capital markets.

There are more than 400 in Beijing, most of which were established with 10 and 11 annual salaries, but there are only about 100 companies that can really survive and develop.

The successful listing of Noah Wealth has provided a successful "sample" for the development of third-party wealth management institutions, and subsequently, domestic third-party wealth management companies have sprung up. According to incomplete statistics, there are nearly 10,000 third-party wealth management companies in China.

There are many, and there are a mix of good and bad.

1. When choosing a third-party financial service institution, you should first understand the strength and reliability of the institution, and check the quality and honor of the service institution, such as whether the service institution has a qualification certificate, whether it is rated AAA, whether it is supervised, etc.

2. It is necessary to understand the relevant regulations of the service organization, understand the relevant policies of the service organization, and ensure that the investment management policy of the service organization meets the needs of customers and ensure the safety of customers' funds.

3. It is necessary to understand the investment ability of the service organization, check the investment rate of return, investment strategy, investment portfolio and other conditions of the service organization, and ensure that the investment ability of the service organization meets the requirements of customers.

4. Understand the customer service of the service organization, check the customer service content, customer service policy, customer service complaint department, etc., to ensure that the service organization can provide customer satisfaction service.

5. It is necessary to understand the investment risk control ability of the service institution, check the investment risk assessment, investment risk control, capital security and other capabilities of the service institution, and ensure that the service institution can effectively control the investment risk.

The income of bank wealth management products is relatively low, the scale of the bank is relatively large, the operating costs are relatively large, most of the investment income raised by the bank is the bank to take the lion's share, and from the beginning of the fundraising period to the end of the settlement, there are almost 5-7 days of no interest in the middle, and the amount of funds is relatively large. The third-party wealth management income is higher than that of the bank, but it also depends on the size of the company, this kind of company is similar to an intermediary, directly helping the lender and the financial management party to connect and dock, not as complicated as the bank, the high income and the risk of the bank's non-guaranteed floating income is similar, provided that the company is large enough, and there is a fund pool custody in the bank. Generally, bank wealth management is the bank's internal capital operation, if you cooperate with a third party, it will be explained in the type of investment, I hope my help to you, thank you.

1. Check the qualifications of the institutional platform. With the increasingly strict supervision, at present, to carry out a certain business, you have to obtain the corresponding business license, for example, to carry out the first business, you must have the first sales license, so we must choose a third-party financial institution with relevant qualifications.

2. Pay attention to the performance reports of third-party financial institutions in recent years. If the company's performance data is not optimistic in the past few years, then you must be cautious when buying the company's wealth management products.

3. Pay attention to the overall operation level and investment experience of the management team. Financial planners who directly connect with investors must have relevant professional qualifications, or even higher-level qualifications, similar to CFA, CFP, etc.

Third-party wealth management is the bridge between you and financial institutions.

1) As the first party, individuals are not familiar with the use of financial institutions, financial products, and financial instruments, so how to choose will be a headache, 2) The second party is banks, insurance companies, ** companies, etc., standing in their own financial management, they will only sell their own company's products to customers, and the vital interests of customers will not be put first.

3) The third party is the bridge between the first and second parties, but it stands in the personal position, starts from the interests and goals of the first party, and gives the first party the most objective and pertinent suggestions and information through its own professionalism.

For example, if Mr. Binduanji goes to Insurance Company Y to buy insurance, the salesman of Insurance Company Y "Lao Y" will definitely only sell insurance products from Company Y to you, but in fact the insurance of Company X is more suitable for you, but the salesman "Old Y" will not tell you. Not only that, but "Old Y" is likely to sell you a higher sum insured in order to make more money.

And it may be that in order to close the deal, some terms that you should know will be withheld.

But the shrewd Mr. Binduanji found a third-party financial management, this "little three" according to your situation, made an analysis, suggested that you buy X company insurance, and explain clearly the shortcomings of X and Y companies, as well as the terms to pay attention to when buying.

Let financial institutions manage money on behalf of customers.