Investors are the foundation of market development. Protecting the legitimate rights and interests of investors is the due meaning of the sustainable and healthy development of the market.
3. Take the opportunity of “investing in more than one company” to strengthen the awareness of investors’ rights and interests through more than 15 channels.
With the development of China’s economy and the continuous growth of residents’ wealth, the demand for residents to optimize asset allocation has increased rapidly. At present, the number of Chinese A-share investors has exceeded 200 million, which also brings challenges to the investor education of securities companies.
In the field of wealth management, a number of securities companies said that the investment and education concept began to transform. They really considered problems from the perspective of customers, combined with the investment level and acceptance form of different groups, and provided investors with investment and education services that are easy to see and understand.
New ideas of wealth management investment and teaching
For customer-centered wealth management institutions, investor education is a long-term work. In recent years, more and more customers have increased the allocation of fund products. This year, the A-share market fluctuated widely. How to guide customers, especially young investors, to view market fluctuations rationally is one of the key points of investment and education of securities companies.
A person from a securities firm in Shanghai said that in recent years, the fund’s profit-making effect has been prominent, the residents’ willingness to preserve and increase the stock wealth has been gradually strengthened, and more and more people choose to participate in fund investment. However, many investors are often only interested in interests in this process and do not know what they buy; Do not understand the specific rules, do not want to think, and lack the willingness to take the initiative to learn.
Some insiders believe that as more and more individual investors allocate funds, wealth management institutions should strengthen the education of investors’ ideas and strengthen the long-term company of investors, so as to play a more active role in their fund investment process and guide investors to change irrational trading behavior.
Facing the new market investment environment, how to carry out investment and education? In this regard, the relevant person of CICC wealth Securities said in an interview with the Chinese reporter of the securities firm that first of all, we should strengthen the training and publicity of employee investor education internally, do a good job in customer suitability management, and help customers better understand their own needs and provide the most appropriate solutions from the perspective of buyer’s investment advisory services. Secondly, CICC fortune strictly selects products to form a unique all-optical spectrum high-quality product platform. At the same time, increase the investor education and publicity on the concept of investor asset allocation, actively promote the buyer’s investment advisory service, and provide customers with one-stop asset allocation concept and scheme.
In this person’s view, the general characteristics of novice investors are the lack of certain basic financial knowledge, weak risk prevention awareness, lack of long-term investment and asset allocation concept, etc. For such novice investors, CICC wealth not only carried out salons, lectures, investment reports and online live training and other conventional measures on the spot through official public platforms such as the company’s website, trading terminals and business halls to strengthen the popularization of basic financial knowledge and investment education publicity, but also carried out investor education activities such as entering managers, listed companies, wealth and the United States, Lead investors to have a deeper understanding of the capital market and establish a reasonable concept of asset allocation.
China Industrial Securities Co.Ltd(601377) people told the Chinese reporter of securities companies that for a large number of novice investors who have joined the fund market, in order to effectively guide them to understand the fund market rationally and participate in market investment according to their ability, China Industrial Securities Co.Ltd(601377) investment and education base has created a series of fund products with various forms and rich contents in combination with the investment level and acceptance forms of different groups, Further strengthen the popularization of investors’ knowledge and risk disclosure.
For example, for novice investors, China Industrial Securities Co.Ltd(601377) investment and education base original fund series comics introduce the definition, types, functions, trading rules, subscription and redemption rules, risk return characteristics and fund knowledge of fixed investment of the fund in an easy to understand way for novice fund investors, and guide investors to participate in fund investment rationally. For the daily busy working class, China Industrial Securities Co.Ltd(601377) build a fund financial management guide based on the fixed investment of the fund.
Ping An Securities said that with the deepening reform of the capital market, the concept of Ping An Securities in investor education has also begun to gradually transform. From the perspective of users, giving investors investment and education services that they want to see, love to see, understand and understand has become the top priority of Ping An Securities investor education; With the help of KY + application of big data and artificial intelligence, the tentacles of investment and teaching will go deep into all links and scenes of investors’ daily investment decision-making, and become the practice path of intelligent, scene and practical investment and teaching mode.
Annual report season: teach investors to understand listed companies
At present, during the disclosure period of annual reports of A-share listed companies, many securities companies pay attention to guiding investors to learn to read periodic reports, aiming to improve the ability of small and medium-sized investors to use information disclosure documents and encourage investors to develop the habit of reading reports of listed companies.
Taking Galaxy Securities as an example, during the March 15 theme activity, the company designed a set of special portfolio products with the theme of “reading the reports of listed companies” in view of the lack of professional knowledge reserve of small and medium-sized investors and their inability to read and use the reports of listed companies.
Galaxy Securities stakeholders said that the focus of this time is to understand the regular reports and Prospectuses of listed companies, and produce investment and teaching products such as detailed video courses, situational dramas and long pictures of dry goods knowledge points, which not only meet the different knowledge acquisition habits of investors in terms of creativity and form, but also cover different knowledge depths in terms of content to meet the differentiated needs of investors.
Industry insiders believe that popularizing the information disclosure knowledge of listed companies can guide investors to objectively analyze the operation ability of enterprises, identify investment risks, independently judge the investment value of enterprises, and promote the majority of small and medium-sized investors to establish the investment concept of rational investment, value investment and long-term investment.
Actively help bring investment and education into the national education system
In the long run, investment and teaching should be started from an early age. At present, the A-share market is dominated by small and medium-sized investors. Strengthening the popularization of securities and futures knowledge in school education is conducive to helping the public cultivate correct financial management awareness and prevent financial risks on the basis of the masses; At the same time, improve the quality of investors from the source and enhance their self-protection ability.
Yan Qingmin, former vice chairman of the CSRC, once said that strengthening investor education and integrating investment and education into the national education system is a strategic deployment made by the CPC Central Committee and the State Council, which is of great practical and long-term significance.
This has also become a topic explored by many securities companies. According to Ping An Securities, Ping An Securities app client has created the brand of “national investment and teaching”, and launched four investment and teaching modules, including investment garden, business school, Im intelligent Q & A and investment and teaching games. Specifically, the investment park mainly meets the investment and teaching needs of Xiaobai newcomers and early-stage users, and creates a series of investment knowledge courses; The business school mainly meets the investment needs of junior high school and high-level users, creates a series of courses such as stock market encyclopedia, fund finance, reading financial reports, fundamental valuation and so on; Im intelligent Q & a mainly solves common problems and hot issues at all stages of the user’s investment life cycle, and is intelligent for 24h; The purpose of Teaching Games is to teach for fun. At present, there are many interesting and informative teaching games, such as online guessing the rise and fall, simulated stock speculation, wealth store, getting up early to guess the market, index lotto, integral turntable, telephone forgery inspection and so on.
The reporter learned that cooperation with schools has become the mainstream mode for securities companies to promote investor education. Securities companies aim to popularize correct financial management knowledge to college students, publicize legal compliance awareness, carry out risk education and improve financial literacy Guosen Securities Co.Ltd(002736) relevant person in charge said that the company carried out the activity of “investor education into one hundred schools”, cooperated with colleges and universities to carry out course teaching, provided internship and practice opportunities, and promoted investor education into the national education system.
Sealand Securities Co.Ltd(000750) relevant people said that Sealand Securities Co.Ltd(000750) successively signed framework agreements with Nanning University, Guangxi University of Finance and economics and Kunming City University to cooperate in off campus practice, risk education and financial literacy improvement.
We have also developed a number of online education programs for children, such as the financial investment company and the financial investment company. We have also developed a number of online education programs for children through the financial investment company and the financial investment company Financial concepts such as insurance.
The aforementioned China Industrial Securities Co.Ltd(601377) relevant person said that the company cooperates with colleges and universities to set up compulsory courses in finance. Under the guidance of Fujian securities regulatory bureau, the company has successively signed cooperation memoranda with Jimei University and Fuzhou University to add securities investment courses to the compulsory course system of colleges and universities. Another example is the development of high-quality courses for middle school students, China Industrial Securities Co.Ltd(601377) based on the original “uncover the mysteries of finance” reading book on middle school students’ financial literacy, the design and development of national education courses for middle school students, combined with the characteristics of the birthplace of red finance in Western Fujian, popularize the development history of red finance for middle school students, and integrate the development of capital market with red culture, party history culture The integration of Finance and business education provides excellent courses for students to broaden their horizons and enhance their literacy.
Orient Securities Company Limited(600958) relevant people said that on November 4 last year, Shanghai University of Finance and economics and Orient Securities Company Limited(600958) signed a strategic cooperation agreement to release the course of wealth management and fund investment adviser, promote the integration of fund investment adviser education into the national education system and jointly cultivate professionals for the wealth management industry.
Orient Securities Company Limited(600958) vice president and general manager of wealth management business headquarters Xu Haining said that with the rapid development of China’s economy, China’s wealth management market has broad prospects. In recent years, the fund scale has increased rapidly. The fund investment consultant who is truly customer-centered will become a new model of wealth management business, and there is a large gap of fund investment consultant professionals Orient Securities Company Limited(600958) hopes to use years of wealth management transformation experience to create the course of wealth management and fund investment consultant from the content of wealth management in terms of business model, organizational mechanism, product research and sales system, so as to integrate wealth management education into the national education system with practical actions.
Gf Securities Co.Ltd(000776) introduced that the company organized lecturers from various departments to go to colleges and universities such as South China University of technology and Lingnan College of Sun Yat sen University to teach courses related to securities market practice. In terms of youth financial quotient education, lucky money management painting competition was held for two consecutive years, taking financial quotient education as the core concept to stimulate children’s enthusiasm and initiative in learning financial quotient. The company also plans to hold children’s financial quotient activities characterized by simulated game experience, so that children can understand social and economic life and have new wealth experience in the game.
