Inclusive finance is related to the development of the national economy and the sharing of a better life by the public. Vigorously developing inclusive finance, so that all market entities and the broad masses of the people can obtain the sunshine and rain of financial services, and enhance development capabilities, is the due meaning of building a moderately prosperous society in an all-round way, building socialism with Chinese characteristics, and realizing the "two centenary" goals.
Bank wealth management is an important channel for the flow of financial resources, and wealth management products are an important part of participating in inclusive finance. CNCBI Wealth Management firmly grasps the political and people's nature of financial work, and always regards the development of inclusive finance as an important way to expand the coverage of financial services for the real economy and improve the efficiency of financial services, so as to provide appropriate and effective financial services for all social strata and groups with financial service needs, especially long-tail customers, so that financial resources can benefit the masses more extensively, deeply and fairly, so as to promote the harmonious development of economy and society.
Strengthen strategic guidance and enhance the breadth and intensity of inclusive wealth management services
Focusing on the goal of improving the coverage, availability and satisfaction of financial services, CNCBI Wealth Management focuses on the financial needs of key service recipients of inclusive finance, enriches the inclusive financial product system, lowers the investment threshold, and creates stable investment returns; The second is to accelerate the layout of "inclusive + digital", explore the establishment of a new model of digital inclusive finance, and improve the breadth and intensity of inclusive financial services.
In terms of investment services, we adhere to the market positioning of inclusive wealth management products with stable low volatility and absolute returns, adhere to the principle of stability, stabilize product quality and customer experience. The first is the steady investment, the more complex the external situation, the more we must adhere to the steady investment direction; Secondly, the style is stable, the product positioning is clear, and the recognition is clear, so that investors can quickly recognize; Thirdly, the income is stable, not only to avoid the ups and downs of performance, and strive for a smooth and upward income curve, but also to pursue the appropriate and moderate ranking of the industry; Finally, consumer protection is prudent, always think from the perspective of investors, properly do consumer protection work, and leave no hidden risks.
In terms of system construction, we will accelerate the layout of "inclusive + digital" and explore the establishment of a new model of digital inclusive finance. CNCBI Wealth Management has built a "digital and intelligent wealth management" technology empowerment system, based on multi-source data, multi-scenario as the chain, multi-dimensional model algorithm, and underlying system as the support, to enrich the supply of financial services, realize a customer-centric, online and offline, all-round and three-dimensional service ecology, and improve customer experience and satisfaction with one-stop integrated services.
Create special products to strengthen the depth and height of inclusive wealth management services
CNCBI Wealth Management is committed to creating special products such as charitable wealth management and localized wealth management to strengthen the depth and height of inclusive wealth management services.
On the one hand, the industry's first "Warm Children's Travel" charity financial management to guide social wealth for good. CNCBI Wealth Management has integrated wealth management business development with national strategy, innovated the charitable financial model, and issued charitable wealth management products with the dual attributes of wealth management and public donation, and has issued a total of 8 charitable wealth management products, raising more than 6.4 billion yuan, and collecting more than 6 million yuan of investors' donations, which is well recognized by investors. The product donation funds are specially used for children's medical care, education, health and other fields for the healthy growth of the next generation, serving the strategic development of the population, promoting common prosperity of the society, and leading the industry demonstration effect.
On the other hand, it will focus on the high-quality development and construction of a common prosperity demonstration zone in Zhejiang and issue localized wealth management products. CNCBI Wealth Management introduced the agency sales cooperation of urban and rural commercial banks in Zhejiang region, and extended the sales of "common wealth and co-creation" wealth management products to 26 counties in mountainous areas of Zhejiang Province. At the same time, we will actively explore a new model of collaborative promotion, resource integration and capital-light transformation, give better play to regional advantages, systematically explore and operate regional high-quality enterprises, realize the matching of assets, liabilities and product risks, and smooth the effective path of financial services for regional economic construction. As of the end of December 2023, nine phases of the "Co-prosperity and Co-creation" wealth management product have been issued, with a cumulative sales of 10 billion yuan, and retail customers can purchase it from only 1 yuan, realizing the delivery of wealth management products to the homes of ordinary people in mountainous areas.
Improve the service system and consolidate the density and speed of inclusive wealth management services
CNCBI Wealth Management is committed to optimizing its channel service capabilities and customers' precise operation capabilities, and consolidating the density and speed of inclusive wealth management services.
In terms of channel services, we will "open the door" with the general docking and "open the way" with the front-line marketing services of the branches. In terms of customer management, on the basis of regular accompaniment and on-demand interaction, we will explore the service model with WeCom as the position to continuously tap the potential of customer needs. At present, it has established a direct sales system of "institution + individual" and a consignment channel layout of "10 (state-owned banks) + 3 (head Internet banks) + N (small and medium-sized rural commercial banks)", built a standardized service system, and improved the service ability of the whole process of pre-sale, in-sale and after-sale based on a set of marketing materials and 7*24 hours of efficient response. At the same time, through online publicity, offline promotion, normalized live broadcast and other forms, we will carry out marketing empowerment to provide diversified financial services with higher efficiency, better experience and wider reach for key customers of inclusive wealth management.
In addition, CNCBI Wealth Management actively responds to the call of national policies and continuously improves the quality and efficiency of inclusive financial services. further increase support for small and micro enterprises; Increase support for key industries, and guide financial funds to flow to key areas of agricultural power, such as agricultural science and technology equipment, county-level industries that enrich the people, seed industry revitalization, and animal husbandry transformation and upgrading; Comprehensively build an inclusive and rural development ecosystem, actively cooperate with local first-class platforms and market participants, and promote the upgrading of the whole chain of small and micro enterprise operation and production and agricultural production from the three aspects of products, science and technology, and cooperation, so as to jointly help inclusive finance and rural revitalization.
In the next step, CNCBI Wealth Management will continue to explore an affordable and commercially sustainable inclusive wealth management development model, and while providing investors with responsible, warm, distinctive and valuable financial services, CNCBI Wealth Management will truly fulfill the responsibility of finance for the people with practical actions, give full play to its role as a bridge between the capital market and the real economy, and restore the original positioning of bank wealth management in high-quality development.
Information) Editor: Feng Lei.