CN101916424A - Family financing physical service mode and system - Google Patents
Family financing physical service mode and system Download PDFInfo
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- CN101916424A CN101916424A CN2009101583497A CN200910158349A CN101916424A CN 101916424 A CN101916424 A CN 101916424A CN 2009101583497 A CN2009101583497 A CN 2009101583497A CN 200910158349 A CN200910158349 A CN 200910158349A CN 101916424 A CN101916424 A CN 101916424A
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Abstract
The invention relates to family financing physical service mode and system, belonging to a commercial mode of internet industry and being realized by using an information technology. The mode fully evaluates and detects the health condition of individual or family financing by using a software system through five layers of family consuming management, family protection and endorsement management, financial planning management, asset allocation management and investment management which are together amounted to 27 financial check indexes, therefore, a service mode in the finance industry is created, which is used for arranging and analyzing complicated family financing problems clearly and can immediately find the finance hidden dangers of a customer in time and correct the bad financing habits, thereby improving the capacity of resisting financial market storm, and increasing the financial income of the residents. Meanwhile, by using the mode, the family financial data of the customer can be analyzed and processed very conveniently, and the working efficiency of a financial adviser can be remarkably improved.
Description
Technical field
Financial Informationization
Family financing physical service mode, customer-centric, carry out the household finance data analysis, client's household finance health status is assessed.Be different from the financial institution is the Financial Informationization that data centralization and analysis are carried out in the center.
Background technology
Family financing physical service mode has been used the household finance data analysis technique, at China's financing industry present located developing stage, in conjunction with China's actual conditions, has invented a kind of new service mode of financing service.
Summary of the invention
The present invention is a kind of business model of Internet industry, utilizes infotech to realize.This pattern is by household consumption management, family protection management, planning management, Asset Allocation management and management of investment 27 financings of totally five the aspects totals health check-up indexs of managing money matters, utilize software systems, come comprehensive assessment to detect client's individual or household finance health status, created a service mode of financing industry, complicated family finance problem is well-organizedly put in order and analyzed, can in time find client's financial hidden danger, correct bad financing custom, thereby improve the ability that it resists the financial market stormy waves, increase resident's property income.Utilize this pattern simultaneously, can carry out analyzing and processing to client's household finance data very expediently, significantly improve financial planner's work efficiency.
The financing industry of China is in the initial stage of development, the family that seeks out personalized financing service is numerous, and qualified and ripe financial planner's quantity is less than the market demand far away, the heavy product marketing of financial institution's ubiquity, the situation of light financing service, masses want to bury wealth, do not know to start with again from what, the present invention is owing to adopted software engineering, utilize the internet to do the financing health check-up, can serve numerous clients simultaneously, be customer-centric simultaneously, independent third party's financing health check-up report is provided, help the popular assessment report that obtains objective specialty, more reasonable when making the client buy finance product, wiser, the financial planner also can further provide the financing consulting on the basis of this report, obviously shorten the time that its collection of data is in earlier stage put in order, make it can concentrate one's energy to carry out emphasis consulting, financing health check-up pattern has played the effect of chemical examination and nurse job in the medical services, effectively having promoted the quality of financing service to promote and the efficient raising.
Financing health check-up system also has the Risk-warning function, early warning has four kinds of color signals, is respectively red, orange, yellow and green, and the implication of their representative is for seriously unhealthy, unhealthy, more unhealthy, healthy, the order of severity is: red early warning＞orange early warning＞yellow early warning.Can detect online friend's finance changes in health situation according to online friend's health check-up number of times, help dynamic tracking client's family finance situation.
The characteristics of state's arteries and veins family finance health check-up service and system:
1, undertaken by the internet online in real time, needn't come to personally, efficiently convenient;
2, the user can adopt undeserved reputation system, guarantees household finance data confidentiality safety;
3, financing health check-up report is in time found financing hidden danger, is provided for a rainy day;
4, professional financial planner can carry out the training consulting according to this report, improves operating efficiency greatly;
5, regularly carry out the family finance health check-up, can follow the trail of the financing situation for a long time, disclose future trend.
The advantage of state's arteries and veins family finance health check-up service and system:
State arteries and veins financing health check-up system adopts international financial index, pioneer and invent, the family's essential information and the composition of finance situation that provide according to the client, for it diagnoses out present financial health degree, Asset Allocation resonable degree, the abundant degree of family protection, debt burden suitable degree, ratio between investments science degree etc., the corporate finance skill is incorporated daily financing life, make up the daily financial database of family.Financing health check-up system generates the financing conditions of demand automatically according to the evaluation condition to client's family data information, and brief summary generates the health check-up report automatically according to the health check-up project.The editing interface one is checked in the system design hommization, and multiple mode location is fast searched the family finance situation.
1, family's master data and financing health check-up system integration.
The family's essential information and the composition of finance situation that provide with the client are diagnosis basis, and be true and reliable, with family's master data and the combination of financing health check-up system, for the client makes financing health check-up report to measure.
2, powerful function of statistic analysis is for financing health check-up operation escorts
For the client diagnoses out the health degree of present financial position, the Asset Allocation degree, the family protection degree, the debt burden degree, the investment degree, house property planning etc. provide the arrangement for investment ratio of science, household finance expenditure ratio, debt ratio, family protection ratio.
3, risk partiality is tested, and understands client's investment style comprehensively
Test the risk partiality type that comprehensively defines you by investment time test and risk tolerance, additional recommendations Asset Allocation ratio is for client's reference simultaneously.
4, support multiple set meal pattern, satisfy different levels crowd's family finance needs comprehensively
Financing health check-up version relatively
● elite's health check-up set meal of managing money matters: towards the middle-class family that crowds such as city white collar form; The household economy present situation is made diagnosis, before financing beginning, analyze the clear own financial health status of family at present earlier, eliminate the hidden danger on the road of the financial freedom of marching toward.By your finance of health check-up, the numerical value of contrast science is found out the cause of disease, suits the remedy to the case, and provides financial health check-up report.
● honored guest's health check-up set meal of managing money matters: towards the family that the senior management staff of enterprises and institutions forms with certain assets strength; On the basis of elite's finance diagnosis set meal function, which is reasonable to judge the household finance present situation, and which is unreasonable, according to client's goal of financial management, life cycle phase and regional average level, and custom-made by size financing set meal.
● VIP financing health check-up set meal: towards the assets volume in the social successful personage family more than 5,000,000 yuan; On the honored guest manages money matters the basis of health check-up set meal, increased many high-end projects such as wealth safety index, global investing dispersion degree, longterm investment index, financial investment index, and four financing planning modules such as insurance investment planning, capital investment planning, retirement endowment planning and children's education planning.
5, height Zhi Nengshuoju ﹠amp; Financial planner's comprehensive parsing makes the financing health check-up lighter
● generate automatically: system is to calculating the health check-up index of science according to client's family data information, automatically verify the health degree of client's family finance according to the health evaluating condition, automatically generate financing " healthy prescription " according to the present financial health degree of client, generate health check-up report automatically according to the brief summary of each health check-up project.
● system design: the system design hommization, check and the editing interface one that multiple mode location is fast searched the family finance situation, operating personnel can free be provided with displaying contents.
6, the family finance health check-up of convenience, safety, good service service
● friendly interface, simple to operate: as to make full use of the advantage of mouse action and keyboard operation, make the data input convenient.
● the health check-up process, intelligence is with anti-: applying Internet, fill in list whenever and wherever possible, generate report by state's arteries and veins financing MEC.
● strict protection customer information: make the formal commitment the system strictness.
● satisfaction is returned survey: to guarantee financing health check-up quality, improves financing health check-up level, and answers your relevant issues for the household finance diagnosis,
Embodiment
1. client's logon web page is filled in the household finance data
2. system generates financing health check-up report automatically;
3. the contact staff communicates with client, the explaining illustration related content.
Claims (1)
1. the present invention is a kind of business model of Internet industry, utilizes infotech to realize.This pattern is by household consumption management, family protection management, planning management, Asset Allocation management and management of investment 27 financings of totally five the aspects totals health check-up indexs of managing money matters, utilize software systems and internet, come comprehensive assessment to detect client's individual or household finance health status, created a service mode of financing industry, complicated family finance problem is well-organizedly put in order and analyzed.The scope of asking for protection is the business model and the system of family finance health check-up service.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101583497A CN101916424A (en) | 2009-07-07 | 2009-07-07 | Family financing physical service mode and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101583497A CN101916424A (en) | 2009-07-07 | 2009-07-07 | Family financing physical service mode and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101916424A true CN101916424A (en) | 2010-12-15 |
Family
ID=43323929
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009101583497A Pending CN101916424A (en) | 2009-07-07 | 2009-07-07 | Family financing physical service mode and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101916424A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102682405A (en) * | 2012-05-22 | 2012-09-19 | 苏州奇可思信息科技有限公司 | Personal wealth management consultation system |
| WO2013063790A1 (en) * | 2011-11-04 | 2013-05-10 | Mak Siu Cheung Louie | Life element guiding and financial planning system |
| CN107292733A (en) * | 2017-08-24 | 2017-10-24 | 太仓安顺财务服务有限公司 | A kind of household finance management information system |
| CN109328369A (en) * | 2016-06-21 | 2019-02-12 | 索尼公司 | Information processing equipment, information processing method and program |
| CN110060169A (en) * | 2019-04-26 | 2019-07-26 | 成都众人安科技有限责任公司 | Insurance interest information fast finishing method and system |
| WO2020029385A1 (en) * | 2018-08-08 | 2020-02-13 | 平安科技（深圳）有限公司 | Asset allocation rationality determining method and system, computer device, and storage medium |
-
2009
- 2009-07-07 CN CN2009101583497A patent/CN101916424A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013063790A1 (en) * | 2011-11-04 | 2013-05-10 | Mak Siu Cheung Louie | Life element guiding and financial planning system |
| CN102682405A (en) * | 2012-05-22 | 2012-09-19 | 苏州奇可思信息科技有限公司 | Personal wealth management consultation system |
| CN109328369A (en) * | 2016-06-21 | 2019-02-12 | 索尼公司 | Information processing equipment, information processing method and program |
| CN107292733A (en) * | 2017-08-24 | 2017-10-24 | 太仓安顺财务服务有限公司 | A kind of household finance management information system |
| WO2020029385A1 (en) * | 2018-08-08 | 2020-02-13 | 平安科技（深圳）有限公司 | Asset allocation rationality determining method and system, computer device, and storage medium |
| CN110060169A (en) * | 2019-04-26 | 2019-07-26 | 成都众人安科技有限责任公司 | Insurance interest information fast finishing method and system |
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| PB01 | Publication | ||
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| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20101215 |