招商银行财富体检2.0,打造线上资产配置新体验
据招行青岛分行相关人员介绍,招商资产招商银行手机银行APP财富体检2.0功能,银行验旨在为用户提供新颖流畅的财富线上资产配置体验,出具专业财务规划方案。体检上线以来,打造已经累计有超过200万名客户率先体验了该项服务,线上新体其流畅的配置操作体验和专业的诊断结果,满足了广大用户轻松便捷的招商资产资产配置需求,在业内外引发反响。银行验
特点一:财富体检操作简单便捷
用户只需简单地回答三个关于家庭收支的财富小问题。特别要提到的体检是第一个小问题,询问用户是打造否为金融行业从业人员,系统背后的线上新体计算逻辑并不受影响,区别在于对体检结果的配置解读语言。如果用户为金融行业从业者,招商资产那么所对应的解读语言是常见的标准化金融术语;如果用户为非金融行业从业者,那么所对应的解读语言则是轻松幽默的生活化表达。比如,对于现金类资产配置过多的解读,标准化版本是“T+0的产品配置超过了配置上限,资产组合的流动性过剩,丧失了资产组合的收益性”;而简单的表达是“当前现金类占比较高,这些钱是可以为主人赚钱的,这样放着太可惜了”。对于普通用户来说,可以说简单易懂。
特点二:财富体检结果科学客观
根据招商银行的资产配置建议和用户的风险承受能力评级,用户得到体检报告后首先映入眼帘的是体检分数。但并非只有单一的分数,用户可以看到自己的收益率曲线与标准配置的收益率曲线对比,非常直观清晰地感受到资产配置的魅力。点击“了解分数”,即可看到自己在资产配置中“持有类别”、“持有比例”、“配置再平衡”和“优选标的”四个方面的得分分布。这样可以详细看到得分的原因,充分了解自己的资产配置是否科学。了解了现状,最重要的就是做出调整。系统针对现金类、股票类、固收类和其他类一共四大类资产做出提升建议,以及招商银行推荐配置的产品组合。其中,调整建议有“温婉”和“奔放”两种组合供用户选择,用户只需轻轻一点,即可完成调整。
特点三:财富体检回检定期及时
如同我们的身体健康需要定期体检,用户的财富增值也并非一蹴而就。据悉,招商银行建议用户至少每季度进行一次财富体检服务,以便及时了解自身财富的健康状况,适时作出必要的调整。如果发生大额资金变动或者有了新的财务目标,用户更要及时更新财富体检结果,从而作出科学合理的财务规划安排。
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