People have more and more spare money, so there is an urgent need for financial management. Ordinary people face countless financial products and investment channels, which are difficult to deal with in terms of time, energy and professional knowledge. The market calls for professional financial planners to provide people with professional financial services. Faced with the increasingly strong market demand, the supply of financial planners in various places is seriously insufficient, and the gap between supply and demand is large.
In this case, people's demand for professional financial services is rising. According to the survey of professional financial websites, 78% of the respondents have demand for financial services, and more than 50% of them are willing to pay for financial services.
Financial management has become a public demand.
Now financial management has become a public demand. However, this huge financial market obviously does not have a team of professional financial planners of sufficient scale to match it.
The 2007 China Financial Report issued by the Financial Research Institute of the State Council Development Research Center shows that since 2006, China's financial market has entered the golden period of 10. According to the report, from 2007 to 20 17, the age group with the largest population in China entered the stage of 33-55 and 18-32 respectively. At this stage, the population is the main body of savings, and the demand for asset allocation has greatly increased. The wealth management market has become one of the main areas that reflect the comprehensive business competitiveness of the financial industry.
At the same time, according to the standards set by the World Bank, the National Bureau of Statistics classifies families with an annual income of 60,000 to 500,000 yuan as middle-income families. Although there is no exact data to calculate the size of middle-class families in China, it is estimated that the number of people who meet the standard of 60,000 to 500,000 may reach 80 million, and it is increasing rapidly. The rapid growth of personal wealth leads to the rapid expansion of middle-class families, which is obviously a good thing for the gradual and benign development of China society. On the other hand, with the increase of material wealth, all kinds of uncertainties and risks in economic life have also greatly increased, threatening the safety of family wealth, and the demand for investment and financial management has been rising. In this context, China's personal financial market has begun to take shape, and the ability of commercial institutions to provide personalized financial management for customers with different needs is rapidly improving.
At present, the middle class and high-income class in the Yangtze River Delta are rapidly forming, and quite a few people's financial management concepts are gradually developing from the stage of radical investment and rapid accumulation of wealth to the direction of steady and conservative investment, capital security and comprehensive financial management, so the demand for financial planners who can provide objective and comprehensive financial management services is growing rapidly.
There are two kinds of industry certification.
At present, there are two main certification systems for financial planners in China: one is the national financial planner, which is introduced by the Ministry of Labor and Social Security. The other is the internationally recognized CFP, which is the authoritative international certification in the field of financial management. China officially became a member of CFP in 2006. China Financial Management Standards Committee is the only certification body authorized by CFP Chinese mainland, which belongs to the People's Bank of China and the Financial Education Development Foundation.
1, national financial planner
According to the newly revised National Professional Standards for Financial Planners, national financial planners are divided into three levels: assistant financial planners (national financial planner level III), financial planners (national professional qualification level II) and senior financial planners (national financial planner level I). As a newly established level, assistant financial planner relaxed the examination qualification for college students.
Since the introduction of the national vocational qualification examination for financial planners, about 5,000 financial planners have passed the national vocational qualification examination.
2.CFP certification
The financial planner exam organized by China Financial Standards Committee is held twice a year, with the first half in June and the second half in 1 1. The examination is divided into three categories: AFP financial planner primary certification, international financial planner certification and EFP financial manager certification.
CFP- an international financial planner refers to a person who provides comprehensive financial consulting services for individuals, families, small and medium-sized enterprises and institutions by using the principles, techniques and methods of financial planning. Before obtaining the qualification of financial planner, you must first obtain the qualification of AFP-Associate financial planner.
When international organizations approved the implementation of two-level certification system in China, they clearly pointed out that there should be a certain gap between AFP and CFP holders. In countries with multi-level certification system, the ratio of AFP and CFP holders is about 65,438+00: 65,438+0.
Statistics show that the number of people taking CFP and AFP exams in China is increasing year by year. The number of AFP applicants was 1.820 in 2005 and reached 6 1.97 in 2006. In the first half of this year, this number exceeded 8000. CFP registration has just started, and the number of applicants has exceeded 265,438+000. In the first half of this year, this figure was close to 2700. Since June, 2006 165438+ 10, Shanghai has become a CFP sub-test center for international financial planners. Last year, AFP accounted for 80% of the 600 candidates in Shanghai examination room/KLOC-0. The EFP (Certified Financial Manager) exam with the least number of people is specially designed for managers of financial institutions. As a professional manager, EFP plays an indispensable role in a successful financial planner team.
Financial planners face a gap of 200,000.
Financial planner is a highly professional profession. Employees should not only have profound professional knowledge, skilled investment and financial management skills and rich financial management experience, but also be familiar with financial business fields such as stocks, funds, bonds and foreign exchange, and at the same time have comprehensive professional qualities to keep abreast of the international and domestic financial situation. Because the training of colleges and universities is far from meeting the market demand for financial planners, the contradiction between supply and demand of financial planners is quite obvious. Financial planners who have received a higher education level, passed special certification examinations, have certain work experience and maintain a higher level of professional ethics have become hot targets in finance, insurance, funds and other industries. At the same time, the broad financial market prospects make professional financial talents who can provide "tailor-made" financial services more and more sought after.
At present, the domestic personal finance market has exceeded $57 billion, and it is growing at the rate of 10% to 20% every year, but less than 10% of the funds are managed professionally. In a mature financial market, there must be at least one professional financial planner in every three families. According to this calculation, there is a gap of 200,000 financial planners in China. According to the survey of American Association of Financial Planners, the nature of financial planners' work has four advantages: low pressure, generous salary, high independence and great market demand. He is a veritable "gold medal leader" and has become one of the "most respected professions". A professional financial planner can not only serve banks, insurance companies and other financial institutions, but also practice independently and provide financial services to customers as a third party.
With an annual salary of one million, the career prospects of financial planners are attractive.
It is predicted that in the next five years, China will need 65,438+10,000 registered financial planners with scientific financial management skills, and the annual salary will exceed 1 10,000 yuan. According to the survey, the registered financial planner is regarded as one of the most popular financial management occupations in the world, and also ranks among the high-income occupations in China 10 in the future. At present, the annual income of financial planning practitioners in insurance, banking and other fields in China is generally above 654.38+10,000 yuan. Liu Yanbin, secretary-general of the National Expert Committee of Financial Planners, believes that the annual salary of domestic financial planners "should be between 6,543.8+10,000 yuan and 6,543.8+10,000 yuan". This profession will become another promising profession in China after lawyers and certified public accountants. In order to better plan their career, more and more employees in related industries have begun to have a strong interest in the financial planner industry, and intend to get the financial planner certificate as a stepping stone to enter the financial planner industry. This situation is particularly obvious in economically developed East China. Southwest China, as a battleground for military strategists in the personal financial market, naturally becomes the most concentrated area for applying for financial planners.