Exclusive Financial Products Increasingly Popular

China's first exclusive Olympic trust product issued by the first Olympic champion: the structured product collection of the national champion Kay stone Olympic champion.

(hereinafter referred to as Olympic champion trust scheme) attracted much market attention.

The trust scheme, which is 90 million yuan, aims to boost the value of China's Olympic champions and its team. It is jointly launched by the trust and Investment Co., Ltd., jointly with the Bank of China's private banking department (Beijing) and Shanghai Kai Shi Yi Zheng Asset Management Co., Ltd., which has created a warm breeze for the beginning of the cold financial market.

So far,

From the financial products of ICBC to the private banking service of CITIC, the Olympic champion's exclusive financial management and the Bank of East Asia's Li Ying Po investment product series, a wave of advanced customization has sprang up in the field of financial products.

It is reported that there are two types of exclusive financial products on the market: one is the starting point of customer positioning, such as ICBC's "win-win financial management" products, and the starting point is generally more than one million yuan; another is occupation and identity as the standard of customer positioning, such as teachers' exclusive financial products designed by merchants bank, and the Olympic champion's structured product collection support scheme of Kay Shi.

These financial products tend to individualize the structure and risk of products according to the characteristics of the target customers, so as to meet the different needs of customers.

Chen Jiwu, general manager of Kai Shi Yi Zheng Asset Management Co of Shanghai, said that the Olympic champion trust plan product is tailored to the characteristics of the Olympic champion.

Olympic champions have huge assets, but are busy with training, competition and no time management.

Therefore, Kay stone chose its "priority plus sub" product structure, agreed on the reward method of the investment team, chose stocks and bonds as the investment direction, so as to ensure the Olympic Games champion's assets to increase steadily and form a win-win situation between the service institutions and the Olympic champions.

It is reported that although there are some financial products for teachers and other people in the market, the existing exclusive financial products are generally oriented to high-end customers.

Therefore, some media have dubbed exclusive financial products as "patents of the rich".

However, Chen Jiwu believes that the emergence of exclusive financial products has enabled the majority of asset owners to have more choices and make the services of banks and financial services more targeted.

Financial services institutions can provide different value-added services for financial clients from different perspectives and requirements.

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Chen Jiwu pointed out that satisfying the personalized requirements of customers is the core of exclusive financial products design.

Exclusive

The factors such as age, experience, source of capital, personality and personality of investors will affect the product structure.

Adventurous customers and conservative customers can choose different types of product structure.

At the same time, financial planners will also absorb the personalized opinions of customers and invest in the design of the next financial product.

For example, a financial product of China Merchants Bank has absorbed customers' suggestions and increased the service that customers need to queue up for customers when they need medical treatment.

Therefore, after the launch of exclusive financial products, the structure of the products began to change due to customer requirements.

Kai Shi is also planning to work with ICBC and CCB on the basis of the Olympic champion trust scheme to launch more specific products.

In view of the increasing phenomenon of exclusive financial products on the market, Chen Jiwu said that diversification, personalization and specialization will be the development trend of financial products, and the market is very broad.

Compared with the developed markets abroad, we can find that the finer the market of financial products is, the more developed the market is, the higher the degree of development is.

Different populations demand different risk tolerance, so there is a lot of space for financial products targeted at specific groups.