Article 20 of the Guidelines for Risk Management of Personal Financial Services of Commercial Banks stipulates that if a customer needs the bank to provide relevant personal financial advisory services when handling general product business, the general product sales service personnel shall hand over the customer to the financial management personnel.
Personal financial personnel of commercial banks refer to those who can provide financial planning services to customers, and other professionals who are closely related to the sales and management activities of personal financial management, rather than general business consultants. These professional service activities are of two natures: one is that commercial banks, as financial consultants, provide advice to customers, which is advisory in nature. Such business personnel need to hold the professional certificate of financial planner according to the requirements of regulatory authorities or banks; The other is that commercial banks conduct investment and asset management business activities in accordance with the investment plans and methods agreed with customers in advance, which is entrusted.