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hmmhasany4510
Apr 09, 2022
In Questions & Answers
It can be said that integrity is also the cornerstone of the development of the financial management industry. To develop financial planning business, it is necessary to solve the problem of customer trust in financial planners and financial institutions, which requires the establishment of a social and financial industry credit system; and the current lack of China's integrity system is also To some extent, it hinders the development of the wealth management industry. At present, some wealth management institutions or financial planners in the market frequently induce, conceal or even defraud customers due to integrity issues, causing serious property damage to customers. Losses have aggravated customers' distrust of personal financial planning and even the entire financial market. 6) The customer's financial management concept and risk awareness need to be further improved In China, due to the short exposure time of wealth management products and the lack of professional knowledge related to investment and wealth management, most customers do not have sufficient understanding of investment risks, capital liquidity and taxation of wealth management, and they have insufficient understanding of asset allocation and overall and long-term wealth management. There are also obvious deficiencies in the awareness and understanding of planning. They are relatively vague about their own needs and financial goals, and do not know how to measure the level of financial returns, the timing of stop losses, and how to deal with them. 3. Design concept and market expectations of the intelligent financial planning platform The design concept of the intelligent financial planning platform is to digitize and platform the traditional financial planning process, use cloud computing, intelligent algorithms, machine learning and other technologies to apply modern asset portfolio theory, family life sms marketing service cycle theory and other financial planning theories to intelligent financial management in the model. Intelligent financial planning only needs to input the customer's personal financial status, risk preference and expectations, and then the customer's family asset status assessment, investment allocation suggestions, etc. can be obtained through intelligent algorithms, providing customers with exclusive family financial planning solutions.
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