China's wealth management industry is changing from a "product-oriented" seller model to a "customer-driven" buyer investment model. It can also be seen from the recent annual report data of licensees that the scale of products invested by buyers is increasing rapidly.
Based on this background, the business logic of buyer's investment has gradually changed, mainly in three aspects: first, from the past pursuit of sales to the pursuit of stock growth; Second, investment business is essentially a service, not a product. Financial institutions will also change from simple product sales to investment services; Third, financial institutions will also pay more attention to the actual profits of customers, rather than the net growth of products in the past.
Many wealth management institutions began to talk about the buyer's investment model and provide services from the standpoint of users. Financial Rubik's Cube should be the first in the industry to put forward this concept. Their so-called 3C investment standard, summed up in one sentence, is professional 3C investment, taking into account the customer's position, personalized customization and accompanying services. The customer's position refers to meeting the customer's individual needs, aiming at the actual profit probability of users, and tailoring the personalized asset allocation scheme for customers; Personalized customization refers to customizing specific solutions for everyone's specific situation, and will respond to changes at any time with the changes in the market.
Accompanying service is to provide accompanying service for the whole investment process in view of market changes and investor mentality changes. I think this is a very important point. Because standardized assets fluctuate, many people who lack professional knowledge can easily fall into the thrill of rising and the fear of falling because of market fluctuations. Therefore, I think the best thing about this companion service of the Financial Rubik's Cube is that it can help investors not to chase after the ups and downs, guide them through emotional reactions, and help investors overcome human weaknesses and rationally face market changes. As the recent market situation is so bad, if we can't deal with it rationally, it will basically be over.
So in general, I think a financial platform that can develop for a long time must have technical advantages, and it is based on the customer's point of view and aims at the actual profit probability of users. From this perspective, I think the financial Rubik's Cube has a very broad development prospect. Want to know more, you can Baidu.