As an independent organization, third-party financial management does not represent fund companies, banks and insurance companies, but stands in a very fair position, strictly according to the actual situation of customers, helps customers analyze their own financial situation and financial needs, and scientifically equips various financial tools in personal financial planning.
The bosses of third-party independent financial advisers are all customers, and as "employees", they are entirely based on their own interests. However, it is difficult for ordinary investors to use professional tripartite financial services because the service providers need strong professionalism and the threshold for providing services is relatively high. Under the premise of emerging Internet technology and mobile Internet technology, service costs can be gradually reduced and quality services can be provided.
Extended data:
Operation mode of third-party financial services;
First, customers choose and hire independent financial advisers. With the help of financial consultants, they first analyze their financial situation and then test their risk tolerance. After setting their financial goals, they choose different financial portfolios and investment tools to achieve their financial goals. Third-party financial institutions provide more consulting services related to wealth management. Take foreign mature markets as an example, many third-party financial institutions rely on a large institution or platform to provide relevant consultation for their customers.
Profit model of third-party financial services;
The fees charged by third-party financial management mainly come from consulting fees for financial planning or a series of other financial services provided. 0/0% of the income of American independent financial institutions/KLOC-comes from financial planning and consulting, and 90% comes from portfolio management fees. Financial planning services are charged according to billing hours, fixed project rates or annual fixed consulting fees; The fees charged by customers for portfolio management are generally 0.5% ~ 2% of total assets under management.
Baidu Encyclopedia-Third Party Finance