2023-07-08 14:34:00
China Securities Network News (Reporter Zhao Baizhinan) Liu Feng, secretary-general of the China Banking Association, said at the 2023 Qingdao China Wealth Forum on July 8 that wealth management companies were born in the era of net worth, facing public funds, private funds, securities companies and other aspects. competition, and is currently facing challenges in the market environment such as low interest rates. Wealth management companies should strengthen top-level design, improve investment and research capabilities, strengthen asset allocation in large categories, strengthen wealth management product innovation capabilities, focus on application of technological empowerment, and comprehensively build banks’ wealth management competitiveness.
Specifically, Liu Feng said that the first is to improve investment and research capabilities and promote the construction of a talent system. In order to cope with the challenge of net-value transformation of wealth management products, wealth management companies should gradually improve the framework of the investment research system, and build a comprehensive investment research support system from various dimensions such as macroeconomics, industry framework, stock research, and asset allocation, so as to provide investment activities with Investment research support. The key to improving investment research capabilities is to have professional talents. It is very important to do a good job in the allocation of human resources and promote the construction of the talent system.
The second is to establish a multi-category asset allocation thinking and strengthen global asset allocation capabilities. On the one hand, establish a diversified asset allocation thinking, build an investment portfolio in the economic transformation cycle, and strive to achieve the goal of maximizing returns in a complete economic fluctuation cycle. On the other hand, the complex international and domestic economic situation has made global asset allocation a trend. Through overseas diversified asset allocation, regional diversification and asset class diversification can be achieved, helping investors to ensure investment income and asset value preservation and appreciation during the economic downturn.
The third is to strengthen the ability to innovate wealth management products and enrich the wealth management product system. On the one hand, research and develop characteristic products, enrich the wealth management product system, and combine regional characteristics to create competitive advantages. On the other hand, in combination with the diverse investment needs of customers, expand the scope of underlying assets, strengthen research and development capabilities in industry-themed products, equity products, multi-strategy products, cross-border investment products, alternative products, etc., to provide investors with more diverse categories, Investment options with more diversified risk-return characteristics.
The fourth is technological empowerment, embracing the arrival of the era of digital wealth management. On the one hand, service efficiency, financial security and customer experience can be improved by optimizing the application scenarios of wealth management products, developing infrastructure such as asset management systems and robo-advisors. On the other hand, it is also possible to improve the digital transformation capability and reshape the financial product system and business process through the integrated operation of front, middle and back office and the whole process of electronic operation and management of wealth management business.Return to Sohu to see more
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