(1) short-term goals (such as taking a vacation, buying a new car, saving money, etc.). ).
(2) Medium-term goals (such as children's education savings, mortgage to buy a house, etc.). ).
(3) Long-term goals (such as retirement and inheritance). ).
The specific situation can be treated differently according to different customers. These goals are broad, and bankers must refine and supplement them on the basis of objective analysis of customers' financial situation and goals.
The following are other requirements that customers may ask:
(1) income protection (for example, preventing life difficulties caused by loss of work ability, etc. ).
(2) Asset protection (such as property insurance). ).
(3) Debt relief in case of customer death.
(4) The contradiction between investment objectives and risk prediction. This exam greatly inspired you.
In the process of determining customers' goals and requirements, bankers need to pay special attention to the fact that customers often have insufficient understanding of investment products and investment risks, so customers are likely to put forward some unrealistic requirements. In order to solve this problem, bank employees must strengthen communication with customers, increase customers' understanding of investment products and investment risks, and set reasonable goals on the basis of ensuring customers' understanding.