Under the background of the era of great wealth, the financial awareness and actual demand of Chinese residents have increased year by year. Accompanied by the rapid development of wealth management market, product categories for different customer groups and to meet different needs have sprung up like mushrooms. As the main force in the field of wealth management, how to quickly respond to the market and timely meet the people's demands for the allocation of various wealth products has become a new challenge.

Recently, CITIC Bank officially launched the "wealth product collaborative management platform", creating a new wealth product management scheme driven by the collaborative operation mode. The platform provides diversified services for investment customers and investment management institutions through the industry leading "open shelf" mode with the help of digital intelligence and in combination with the actual demands of customers.

　 Star type open enabling information second level quick access

In the process of selling wealth management, funds, insurance and other wealth products on a commission basis, management agencies and sales agencies used to rely on manual transmission of information, which greatly affected the speed and scale of the sales agencies' products on the shelves, thus affecting customers' actual purchase experience.

Through the star type open link mode, CITIC Bank's "wealth product collaborative management platform" has completed the chain connection with more than 100 funds, wealth management, securities companies and other cooperative institutions, and thoroughly solved the problem of low efficiency and low standardization of information transmission in product listing and operation and maintenance, so that information can be quickly delivered in seconds. At the same time, cooperation agencies and branches are empowered by personalized marketing data to make product design and sales more popular and meet the requirements of the public.

　 Digital overall view effectively resolves risks

With the diversification of wealth products, operational risk, information asymmetry risk and regulatory compliance risk in the process of product operation have become important factors for customers to consider when selecting products.

Citic Bank's "wealth product collaborative management platform" has built a digital full cycle full view management and control system for product consignment by virtue of its digital intelligence capabilities. It has included intelligent model scoring, scientific and orderly investment, information double verification parameters, compliance embedded management and control, etc. into the process nodes to visualize product risks and provide a strong guarantee for continuous and effective resolution of financial risks.

　　 Intelligent efficiency improvement and cost reduction management, quality and efficiency improvement

The sharp increase in the number of wealth products has brought great challenges to commercial banks in product operation.

The "wealth product collaborative management platform" of CITIC Bank uses its quantitative investment brain to apply AI technologies such as machine learning, knowledge mapping and natural language processing to achieve functions such as product intelligent scoring and evaluation, bilateral intelligent reconciliation, intelligent parameter verification, and improve product management efficiency and quality to provide new solutions for commercial bank product operation, To provide effective support for cost reduction and efficiency improvement of finance and high-quality development.

The Central Financial Working Conference clearly pointed out that we should "do a good job in science and technology finance, green finance, inclusive finance, pension finance and digital finance". CITIC Bank said that it will always adhere to the strategy of scientific and technological innovation and digital finance, continue to conduct innovative research and try in the field of wealth management, continue to explore and optimize the new mode of collaborative open operation, rely on internal and external collaborative forces to cooperate and win, continue to provide the public with "warm" multi category wealth product shelves and services, and provide the people with "money bags" Maintain and increase the value of products.

Source: China CITIC Bank

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Second instance Shuai Zonglin

Third instance Chen Qianxi