HSBC Bank (HSBC) will expand and establish a more mature contingent, affluent mass (mass affluent) market of customers to provide better service.
The bank has designed a 12-month training program in preparation for the next recruiting and training between the ages of 38 to 50-year-old professionals to join HSBC Premier (HSBC Premier), a professional relationship between the manager. .
In General, the "rich people" refers to have at least 10 million available for investment funds. This type of client is the most upscale private banking clients and retail customers more affluent group. At HSBC, HSBC Premier banking customer has at least $ 20 million investment.
The wealth of the region continued to increase, private banking as an example, local assets under management will grow 20% annually, the mass affluent market is no exception. As the market growth, tight supply of talent will be appropriate, experienced wealth management is often to lure them away. .
HSBC personal financial services competent jing2 Lin, HSBC Premier banking business for the past three years, this sector currently has more than 100 relations manager, training programme, the aim is to begin training at the end of may, a group of 20 people relationship manager, and will also continue to recruit more middle-aged workers.
Late last year HSBC Premier customers to launch a survey to find out what they prefer to age, background, experience, relationship managers to serve them. Survey, customers feel like the same age would be easier to communicate, so they can accept the more mature relationship between the manager, especially between the ages of 38 to 50-year-old relationship manager. .
Collecting the views of the customer, the Bank has developed a training plan is prepared for the next recruitment age is between 50-year-old 38-year-old to professionals. These people do not need to have experience in the banking sector, because they will receive appropriate training. 12-month training program is divided into four stages, including classroom instruction and on-the-job training.
Lin Huijing, said: "We have these experienced professionals who saw in it is their maturity, wisdom, and experience in dealing with people. These 'soft skills' is a good relationship manager must have.". .
Shanghaijinrongbao.
Recently, HSBC, Standard Chartered, Citigroup and the East Asian four foreign banks open for business. Accordance with the "foreign bank regulations" requirement, locally incorporated foreign banks to operate renminbi-round business, apart from competing for deposits, mortgage loans, other than a debit card and credit card business and foreign banks to expand to the bank insurance field, and high-end Insurance customers of foreign banks into the main target group. .
April 10, Standard Chartered Bank and Sinosure signed investment business special cooperation agreement. Under the cooperation agreement, Standard Chartered Bank and Sinosure will help enterprises to external investment to further strengthen cooperation, both sides will be energy, mining, agriculture and forestry, infrastructure and high-tech industry, cross-border investment and merger and acquisition projects as key areas of cooperation, for Chinese enterprises to expand abroad, as well as multinational enterprises to invest in the provision of financial and insurance services. Before in Standard Chartered, the other three foreign banks BOC camp early last year is already shaping: HSBC marriage Ping, an alliance of East Asia China Life, Citigroup hand American metropolis, which is the formal involvement of foreign banks foreshadowed the field of bank and insurance company. .
Currently, HSBC in the Mainland has 35 branches, Standard Chartered has 23 outlets, Citigroup has 16, BEA has 32 dots. East Asia Bank Shanghai Branch said, due to the limited number of dots in the short term foreign banks and insurance companies and business but also difficult to scale on the Chinese banks hit, but banks and insurance companies and business orientation is to pursue the high-end customer resources and cooperation with the depth of the insurance company, and we hope that in future the formation of "tailor-made" bancassurance products.
Similarly, according to HSBC, the news that the bank has started in Beijing, Shanghai, Guangzhou and Shenzhen Ping An Insurance of four selling insurance products, business only in China, foreigners and Hong Kong, Macao and Taiwan residents, which is mainly aimed at HSBC end customer. As a strategic partner of peace, HSBC Insurance will demand in the Mainland to promote safe industrial and commercial customers, insurance referrals include construction, property and cargo transportation insurance products. .
While BEA two years ago and China signed a "comprehensive business cooperation agreement", in the Mainland of China life insurance agent, insurance, group insurance and other products, and in the business, products and resources to strengthen the integration of its high level of cooperation and financial innovation. "Bank of the transformation is a legal person, the insurance business may not necessarily be limited to East Asia and China, if you have other appropriate insurance company, we will make the proxy. Recently, the Bank of East Asia with the allies, the company signed a comprehensive cooperation agreement. "The source said that the Bank of East Asia.
Data show that foreign banks in Shanghai middle business market share is steadily increasing, accounting for one share of revenue from among the 2004 23. .24% To 27 last year. .58%. The insurance agency business as an important piece of the middle, its profits also deeply attracted foreign banks. CIRC latest statistics show that in 2006, banking, postal and other insurance agencies and industry to achieve a total premium income of 1593. .36 Billion, up 26. .1%, Agency business to bring a total of 72 of these industries. .76 Billion in fee income. .
Insurance business will improve the involvement of foreign product line. Affected by the development speed, and the extent of the market economy, and foreign banks not yet formed a complete chain of the product, the product is not complete, limits their high-end quality and scale of financial management, and customer appeal. Interventional business of banks and insurance companies, is likely to be the agent of the bank-insurance products and their combination packaging sales financing products, in order to strengthen the attractiveness of the customer. Compared to banks, foreign banks financial services seems to be deficient, foreign banks and insurance companies and the products to be integrated into financial products, you can make.
Liberation Daily. .
