Financial planner is still in its infancy in China. At present, there are more than10 million households with an annual income of 500,000 yuan in China. According to Liu Yanbin, if a financial planner serves 100 people, then the "gap" of financial planners is at least 100 people.
He Feng, who graduated from university majoring in finance and now works in a bank, participated in the first batch of training courses for financial planners in Hunan last year because he was optimistic about the development prospects of this profession. In some European and American countries, the average income of financial planners reached US$ 65,438+065,438+000,000, and the highest income of financial planners in Hong Kong last year was more than HK$ 2 million. Such a high income level depends on the services they provide to bring higher value benefits to customers. How to rationally allocate financial investments such as savings, stock trading, funds and insurance, and how to minimize investment risks such as real estate, automobiles and antique calligraphy and painting? And so on, financial planners can provide customers with professional portfolio solutions in these areas.
The existing financial planners in China are generally subordinate to some financial institutions. Experts believe that financial planners in China should get rid of the role of selling financial products for their institutions if they want to have the social status of independent practice as lawyers and accountants. In foreign countries, personal financial needs generally focus on tax planning, inheritance planning, employee welfare and retirement planning, while in China, personal needs may focus more on insurance planning and investment planning.
In the second half of last year, the Professional Committee of Financial Planners established by the Ministry of Labor and Social Security launched the National Professional Standards for Financial Planners, and the professional qualification certification of financial planners was also included in the national unified examination (pilot) project. Last year, the national experimental examination was held in 18 provinces and cities, and the reference pass rate was only 15%. The main reason is the poor teaching quality of this training, especially the lack of high-level trainers.
In China, there is still a process of market cultivation to make the profession of financial planner widely accepted by the society. Kihyun, deputy director of the retail business department of Hunan Agricultural Bank, believes that many people think that only big bosses need financial planners. In fact, no matter how much money you have, young or old, you can make different financial planning. For example, personal finance under the age of 40 may be more suitable for venture capital; After the age of 50, they are often no longer willing to engage in high-risk and high-yield projects, so they should choose different combinations for their financial investment.
Liu Yanbin said that at present, the training price of financial planners in Beijing and Shanghai has reached 1.2 million yuan, so people should treat this training craze rationally. Financial planner training is a kind of ability education, not academic education, but practice. Financial planners must use their own abilities to bring tangible benefits to customers, in order to be recognized and survive and develop in society. If the training of financial planners is mixed, it will not be conducive to the real development of this industry.
Recently, the reporter learned from the relevant departments that in order to adapt to the promotion and development of China's financial planner profession, the National Professional Appraisal Center revised the original standard in 2005, and began to realize the national unified examination this year.
Financial planner is a professional who provides comprehensive financial consulting services for individuals, families, small and medium-sized enterprises and institutions by using the principles, techniques and methods of financial planning.
Financial planning refers to the use of scientific methods and specific procedures to develop practical and operational financial planning for customers, mainly including cash planning, consumption expenditure planning, education planning, risk management and insurance planning, tax planning, investment planning, retirement planning, property distribution and inheritance planning.
It is reported that Jinborui Vocational Training School is carrying out a national vocational qualification training course for financial planners. Participants participated in the training and passed the national unified examination. The Ministry of Labor and Social Security issued the Professional Qualification Certificate of People's Republic of China (PRC) Financial Planner. According to the requirements of the National Professional Standard for Financial Planners, the school has systematically studied and trained financial planning tools and practices, so that students have the ability to customize financial planning reports, carry out financial services and personal financial marketing. The reporter learned that the relevant courses in the school now include: cash management, housing, automobile, children's education, retirement, inheritance, individual tax, foreign exchange, securities, insurance, funds and so on. Interested students can call 03 1 1- 87068862 for relevant information.
Liu Yanbin, Secretary-General of the Professional Committee of Financial Planners of the National Vocational Skills Appraisal Bureau, said: The financial planning business is quite mature in developed countries. Practitioners who specialize in financial planning are called financial planners, which is a respected profession and often enjoys the status of quasi-family members in many families.
With the development of China's financial services industry, financial institutions continue to introduce product innovation and service innovation, and personal finance has become the main strategy for financial institutions to compete. In the process of financial institutions changing from "product-centered" to "customer-centered" consulting service mode, their personal financial management ability will determine the market competitiveness of financial institutions. Therefore, banks, securities companies, insurance companies, investment companies and other financial institutions urgently need professional personal financial planners and professional financial training for their employees. The financial management training courses offered by Meitu Education meet the market demand for new professionals and the demand of financial services industry.
The reporter learned from Jinborui Vocational Training School that in the first half of 2006, the number of financial planners trained nationwide exceeded 150, including CCB, ICBC, ABC, China Everbright Bank, Minsheng Bank, BOC, Bank of Communications, credit cooperatives, China Life Insurance, Ping An Insurance, China-UK Life Insurance, Haier new york, financial securities insurance institutions, individual investors and people from all walks of life who are determined to work in the financial system.