China Merchants Bank to adhere to the long-term interests of the customers in the first place

Wealth management – interview with wealth as Deputy General Manager of China Merchants Bank personal banking Jing Wang Shi Beibei 2p2g recently, China Merchants Bank ranked United Kingdom by the financial times "best private bank in China" award, comprehensive assessment of the selection by the financial times all offering private banking business in China and foreign banks operating skills, focusing on banking, customerAnd the balance between the interests of customers and development, concern private banks create sustainable long-term returns, as well as the ability to provide reliable investment advice for the wealthy class. Mission is "helping your family business success, is our business" concept, China Merchants Bank private banking by global vision, local insight, real-time grasp the changes in the economic situation at home and abroad for customers. China Merchants Bank with professionalTeam building, superior product design capabilities, market analysis and professional elite wealth report, Youth Forum, a series of results ranked the awards. Behind the success, China Merchants Bank private banking has no secret to leading the industry?　　We had a special interview with the China Merchants Bank Deputy General Manager of the private banking Department in the annals of China Merchants Bank private banking secret of success. "In the current financialSpread the impetuous sales culture case, China Merchants Bank to adhere to the long-term interests of the customers in the first place, which is the key to China Merchants Bank private banking ahead of the industry, "said Jing Wang. China Merchants Bank's private banking team has roots in local senior account manager with global recruitment specialist investment advisers "1 of n" team of experts, through a unique rigorous "screw lifting fourStep method ", according to the customer's risk appetite, wealth goals, using" global asset allocation model ", tailor-made for the customer-exclusive set of integrated wealth management programmes, including funds diablo 3 gold, equities, bonds, foreign exchange, insurance, and other varieties of the portfolio proposal, and in legal, tax, accounting and other professional advice. "Wealth, not the same as the fiscal deficitRich management "in the view of Jing Wang, the current domestic banking sector sales culture under the guidance of, showing the impetuous attitude, and customers often driven by showing a product sales commissions, some bank account manager in pursuit of short-term gains at the expense of the long-term interests of their clients. "What we are doing, is more a process in place for evaluation of the results, Customer Manager will not beFor short-term profit-driven at the expense of long-term interests of the customer. The only way to fully winning the trust of customers, that is China Merchants Bank adheres to the ' wealth, not the same wealth management '. "For example, once the market frenzy that customers feel certain investment products at a very good, most typically bring the cash put into this product area, while China Merchants Bank investment consultantIt will make recommendations on the asset allocation, may persuade some customers to lower the asset allocation in this area. "Some customers may not understand our, feel that since we can get more Commission from the sale of products, why not recommended client configuration to expand this part of the product at all? Since then if market volatility of the product, customers will really understand our ideas, and increase theTrust each other. "Jing Wang also called, some requires high levels of customer, will continue to compare different provider of investment advice is reasonable, for some time it will be some inaccurate suggests a certain filter, eventually filter out more good advice agencies, in this case, the private banking operation we must put the interests of customers in the first place, to long-term customersTrust. Bullish on oil and gas investments, differentiation of PE industry appears turning to recent CMB private banking investment advice to clients, Jing Wang believes that in the case of guarantee asset allocation balanced in the fourth quarter, the overall investment situation was better than the third quarter, bullish on oil and gas related investments for some time in the future. Talked about the European debtCrisis, Jing Wang think eventually set off a chain reaction is very low, domestic private investments related to the bank customers in this area is also very small. Jing Wang, China Merchants Bank private banking with a number of excellent private equity funds at home and abroad (PE) fundraising plan cooperation agencies, and private banking clients in PE investment interest is quite strong. But facing the pE craze, Jing Wang believes that PE this industry on the one hand there is no threshold and no licence and no clear regulatory, a shuffling process must occur in the future.　　She disclosed that some time ago to PE Corporation of China Merchants Bank to talk cooperation is extensive, Guild very seriously to do the selection of partners, have higher requirements due diligence. Real estate investment, Jing Wang recognitionAt the policy level, countries want property prices to a certain level, but have a certain margin of safety, now real estate still has large demand.　　Cultivate first-rate private banking relationship manager Jing Wang said China has always attached great importance to the cultivation of private banking account Executive to ensure to provide customers with better service. "First began to promote private bankingBusiness, we have designed "1 of n" working mode of investment advisory services, investment adviser team of already has more than 20 people. At present, the greatest difficulty we face is the lack of mature private banking account executive talent, and the entire domestic banking sector as well. Contact your account manager is the customer resource links and the background, they know what customers need, also heardWhere are the resources, you need to go through them consolidate resources to meet customer demand, the importance was obvious. We had a row in the recruitment and training. Our earliest account manager is to recruit, to date, more than my personal bank account manager 90% are their own culture. "Jing Wang said China attaches great importance to private banking clientsSystematic training. First of all, China Merchants Bank has developed a detailed training plan, and implement to specific targets, rather than places assigned to branch to ensure that each account manager is subject to a system of training and, secondly, on the specific contents, established including induction training, working methods of the investment adviser for Dummies and advanced training courses such as a complete training system. Through a series of training"Spiral lifting four-step method" deeply into each account managers work ideas, work in process and work habits. In addition diablo 3 power leveling, the investment adviser in rows on the basis of team-building, branch of the China Merchants Bank have ongoing professional team building as an investment adviser. Through each phase of nearly 1.5 months of footmen "Devil training course", gradually fostering a number of head office certified branch Investment Advisory BoardAsk their mastery of Bloomberg, Reuters, Wind, and other professional analysis tools, and active use of professional tools, analysis of market trends, instruct Customer Manager for sales of financial products, fund products, boosting the overall professionalism, at the same time as the ultra high-end customers with differentiated, customized asset allocations and product recommendation service.