Financial management, in this new era of consumption, is a thing that everyone is not unfamiliar with, and even feels very familiar with themselves, I have shared with you my real experience and feelings when I started to manage my finances: people have the capital to do investment, and their mentality and ideas are different. In a word, a person's investment ability determines whether he lives well or not, you do not manage your finances, investment does not invest, your life will be completely different.
But do you really understand financial management and investment? Some statistical reports have released a figure, saying that people who really have a bachelor's degree or above account for less than 4% of our total population, in fact, people with clear financial management, the proportion of the total population may be a little more than 4%, that is, this group of highly educated young people.
Therefore, the establishment of qualified financial cognition is still a bit of a threshold! And we all need a professional and reliable platform, and China Merchants Bank is building such a big wealth management open platform.
Recently, China Merchants Bank announced that its retail aum (asset management scale) time point scale has exceeded the 10 trillion mark, and it has become the first joint-stock commercial bank to stand on a new level of 10 trillion yuan.
Retail aum is the foundation and chassis of light banks. It took about 14 months for CMB aum to go from 7 trillion to 8 trillion yuan; it took about 8 months from 8 trillion to 9 trillion yuan; and from 9 trillion to 10 trillion, it took only half a year. It can be said that both the increment and the growth rate are considerable, and its strong strength in the field of wealth management can be seen. This is its outstanding achievement, but also its link wealth ecological partners, build a wealth open platform, and comprehensively enter the era of big wealth management and a new starting point.
As its internal relevant person in charge said, "In the face of a large and rapidly growing customer base and aum, as well as the increasingly diversified wealth management needs of customers, it is obviously not enough for CMB to provide services on its own." We hope to form a synergy with our partners to promote CMB's big wealth management to move towards digitalization, platformization and ecology, provide a better investment experience for more than 160 million customers, and open a new era of national wealth management."
At present, the global economic situation is grim, inflation is severe, the economy is decelerating, and investment has entered a new normal, and today, when half of 2021 has passed, how should we arrange personal or family wealth? How to make a good investment plan? CMB's big wealth management open platform may give us the answer.
What kind of investment experience can it give us? First of all, it is open and win-win. Since the beginning of this year, CMB has made frequent moves in the field of wealth management, upgraded the wealth open platform, and taken the lead in creating a "new ecosystem of big wealth management", which is a new model of digitalization, platformization and ecology since the integration of internal and external forces of CMB, and since the creation of the "big wealth management value cycle chain". And such a platform, the spirit of hard work, win-win integration can not be ignored.
In the construction of the platform, CMB takes the initiative to widely link the outstanding asset management institutions in the whole market, and according to its demands, organically connects the various capabilities of the platform in the bank, including product innovation capabilities, activity operation capabilities, content production capabilities, risk management capabilities, big data capabilities, etc., and opens them to cooperative institutions through the wealth open platform, empowers and integrates them, and connects the multi-level and multi-role subjects from the capital end to the asset side, so that they can give full play to their respective advantages and produce network and ecological effects. With a new big wealth management ecosystem, we work together to provide professional services for CMB's billion-level customers. And settled in the wealth open platform, cooperative institutions can build their own "zhao cai number", direct access to their position customers and potential customers.
In this way, of course, the first to benefit is our users, because there are more and more professional institutions working together to provide services, and the effect of its appearance on the client is usually an exponential incremental service.
For CMB, its large wealth management platform can flourish and further derive CMB's own platformization and intelligent capabilities into an ecological capability.
From the perspective of cooperative institutions, entering the wealth open platform not only means that it has more customers, greater traffic and broader development space, but more importantly, through direct and frequent exchanges and interactions, it can deepen the understanding of CMB customers, help them design products, carry out investment and operation more targeted, and form a virtuous circle between customers, CMB and institutions.
CMB's big wealth management platform can be described as open, win-win, ecological, full of vitality, a kind of integration, but also a common prosperity.
Secondly, the big wealth management platform of CMB is also a lifelong expert and housekeeper of wealth life around us.
In today's financial management has been life, the choice of investment products is the most intuitive and common practical problem we encounter, at this point, why can CMB withstand it?
First, it has outstanding selection capabilities. In recent years, CMB has been promoting wealth management into the lives of ordinary people, such as the change financial management "Chao Chaobao" that has entered the public life, the "To Fix Investment" that redefines fixed investment, and the top card "Five Star Choice" of CMB Funds, so that wealth management can "fly into the homes of ordinary people".
Second, it has the wealth management concept of "long-term investment, value investment, and balanced investment". Taking public funds as an example, in addition to quantitative factors that will be considered by various wealth management institutions, such as management scale, historical performance, and performance stability, CMB also pays special attention to the growth of fund managers. In the view of CMB, the fund manager is a "living person", has its own investment life cycle, and must judge its value in multiple dimensions.
Most immediately, this can help us achieve better long-term returns. Since 2012, CMB has achieved a cumulative profit of nearly 300 billion yuan for its fund holdings, of which nearly 140 billion yuan in 2020, a record high. According to the data disclosed by the Asset Management Association of China, as of the end of the first quarter of this year, China Merchants Bank ranked first in the total market for the ownership of mixed public funds with 671.1 billion yuan.
Third, it has a molded "preferred product + long-term accompaniment" simple model. Its full journey covering "pre-shot-shot-post-investment" is very valuable. Whether it is market research, asset allocation, product selection, or asset review and adjustment, professionalism can create value, especially when the market is volatile. That is to say, what we need is not only a "product supermarket", but also a "service aggregation". CMB Wealth Management, which provides us with full life cycle services, is one such platform. Its "circle" of high-quality fund managers, the layout of the "Zhaoyang Plan" in advance; and the first in the banking industry to break the new bureau of fund sales, in early July officially announced that it will add more than 1000 equity funds sold at a discount rate, which can be said to be another leading work of CMB as one of the best banks in China.
The product matrix of a platform can provide customers with better wealth companionship services throughout the journey, so that more customers can harvest the wealth of life in the "long-term value investment". It is an ability and a kind of confidence.
CMB's big wealth management platform is also a smart and reliable digital expert.
Under the 3.0 model, with the onlineization of customer behavior, CMB has built a "wealth open platform" based on the China Merchants Bank app, linking excellent asset management institutions and products in the whole market at one end, so that CMB and external partners can form a perfect wealth management ecology and large cycle; at the other end, it links individual customers, with a "decentralized" model, so that customers can not only enjoy the services of CMB, but also enjoy the professional services of excellent asset management institutions.
The relevant person in charge of CMB said, "The outside world may focus more on the functions of the client, but this is only the tip of the iceberg, and the construction of the digital middle office under the water can highlight the 'internal strength' results of the retail 3.0 transformation of CMB." In recent years, CMB has used the digitalization, intelligence, platformization and intensification of the middle office to create the ultimate experience for users and empower the centralized operation of the whole bank.
In fact, aggregating resources, doing an open ecological platform, and accompanying customers to grow for life, which one of them is a "chore", but behind it reflects the clear attitude of CMB to create a new ecology of big wealth management.
We have always said that investment itself is a long run, we first of all want to have the awareness of long-distance running, and dare to provide us with lifelong service of the CMB big wealth management platform, it is like a professional comprehensive financial expert around us, it is worth looking forward to!
#Know the bank has a trick ##招行aum首破10万亿, open a new era of national financial management #@China Merchants Bank app@Wu Xiaoping@21st Century Business Herald@Toutiao Finance