Personal Wealth Management个人理财

一、营销产品

Personal Wealth Management

个人理财

II. Client's Background Information

二、客户背景

1.Name:Xie Guo An

2.Sex: Male

3.Age: About fifty years old

4.Occupation: General manager of a state-owned enterprise

5.Education: University

6.His yearly income is 150,000 RMB yuan. His wife is a unit clerk with income of 18,000 RMB yuan.

1、谢国安

2、性别：男

3、年龄：50岁左右

4、职业：某国有企业总经理

5、文化程度：大学本科

6、他年收入150,000元人民币；妻子为事业单位职员，年收入18,000元人民币。

III. Main Points of Marketing

三、营销要领

Ladies and gentlemen, good afternoon! I am Zhang Min from North City Savings Office. Now I work as a manager on duty. Today I will introduce our personal wealth management service to Mr. Xie who has some special needs here for help.

女士们，先生们，下午好！我叫张敏，来自城南储蓄所，目前的岗位是大堂经理。今天，我将根据我接待的谢先生的具体情况，向他营销我行的个人理财产品。

IV. Content of Speech

四、演讲内容

Hello! Mr. Xie. My name is Zhang Min，a manager on duty here. Nice to meet you. I learn from you that you have a successful undertaking with a good income. So you are too busy to manage your assets. Based on that, I think our personal wealth management fits you very well, which provides you all-round , specially-tailored financial services for valued customers like you. We arrange and plan your money income to meet various needs in different periods.

谢先生，您好！我叫张敏，是这里的大堂经理，很高兴认识您，并希望有机会为您服务。在与您的交谈中，我了解到，您属于事业成功人士，收入水平很高，工作也十分繁忙，没有时间和精力打理自己的资产。根据您的情况，十分适合使用我行的个人理财产品，它可以为您提供全方位，度身定制的综合金融服务，您所有的金融需求将由我们为您合理安排、策划，满足您不同时期的各项需求。

One privilege is financing consultation. Personal Financing is a new individualized and comprehensive product by our bank for financial money management guaranteed by scientifically advanced, highly efficient and safe electronic system as well as saving offices, talents, information, funds and settlements. All-covering investment needs must be met with your asset value maintained and added, including securities investment, personal forex dealing, personal insurance investment, etc. You will get such information as the financial rules and regulations; financial， economic and market information; the types of deposits and their specific way of interest calculation; the information on deposit, loan interest rate and exchange rate between RMB and foreign exchange  concerning personal financing, and so on.

一个好处是理财咨询。个人理财是指我行利用我们的网点技术、人才、信息、资金结算等方面优势，以个人客户为服务对象，为您提供全方位综合性的金融服务。满足您多元化的投资需求，主要包括证券投资、个人外汇买卖、个人保险投资等金融需求，实现您资产的保值、增值。您可以获得与个人理财有关的政策法规；财经信息和市场信息；存款种类及具体的利息计算方法；存、贷款利息及人民币与外币汇率信息等等。

The second privilege is that you will learn current financial analysis from our expert as follows: the returns of each deposit combinations; the comparison between various kinds of loan interests payment and deposit returns; analysis of stock investment returns and risks; analysis of bonds investment returns and risks; the move in foreign exchange rate, etc.

第二个好处是随时得到我行专业人士的有关金融分析服务，如各种存款组合的收益；各种贷款的利息支付与存款收益的比较；股票投资收益与风险分析；债券投资收益与风险分析及外汇汇率趋势分析等等。

The third privilege is safekeeping service. Our bank provides safekeeping service for the clients to keep documents of value, such as deposit certificate (bank book) and bonds, for which we charge some handling fee accordingly.

第三个好处是保管箱服务。我行为客户提供保管箱服务，您可以保存有价值的证券，如存单（存折）、债券等等，我行收取一定的手续费。

The fourth privilege is that our bank provides account renewing service at the requirement of the clients, that is to say, you can make the accounts renewal on maturity date or changes the terms of deposit.

第四个好处是，我行应客户需要提供账户更新业务，即将到期的账户更新或变更存款期限。

Mr. Xie, are you interested in our new product? Try it and it will bring you a new experience. If there are any questions or suggestions, please call my phone number on 0514-7156797, or my mobile phone number on 13816863568. I hope my service will satisfy you.

谢先生，您对我行的新产品感兴趣吗？您不妨尝试一下，定会给您带来全新的感受。如果您有什么疑问或建议，可随时拨打我的电话0514-7156797或手机13816863568。希望我行的个人理财服务将使您满意