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With the development of China's economy, the different needs of China customers for wealth management, personal travel and financial management are increasing year by year.

1October 7th, 165438+ "HSBC Live Room" invited relevant persons in charge of the Wealth Management and Personal Banking Department and Global Capital Markets Department of HSBC to discuss how to improve the bank's services to individual users from the perspectives of wealth management, personal travel, study abroad and corporate welfare.

As an international bank, HSBC provides one-stop financial solutions and global banking services to more than 40 million customers in 64 countries and regions around the world. When customers want to seize potential investment opportunities and realize wealth growth, HSBC can provide professional financial solutions; When customers and their families have overseas banking products and business-related needs, such as studying abroad or working overseas, HSBC also has strong global banking services to support them.

Li feng

Vice President and Director of Wealth Management and Personal Banking of HSBC China

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As an international financial institution that has participated in China International Import Expo (CIIE) for three consecutive years, we are very happy to show HSBC's innovative exploration in the field of intelligent wealth management and global financial services through this global event, so as to better meet customers' growing international and diversified financial needs.

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Wealth management:

AI empowers investment, and technology leads the future.

HSBC provides customers with a series of wealth management products that meet their investment needs, and provides global and local market consultation, so that customers can keep abreast of global market trends and make investment decisions easily. The core concept of HSBC wealth management is "customer-centric" and strives to provide customers with truly suitable products.

HSBC's wealth management tablet system has also realized the electronic signing of investment and insurance products, and the online wealth management platform also allows customers to manage their asset portfolios anytime and anywhere to achieve the best asset allocation.

The asset allocation provided by HSBC starts from the customer's needs and constructs the asset allocation scheme required by the customer through professional financial analysis. HSBC's wealth management products have strict shelf control procedures, and YEATION is the best. At the same time, HSBC has independently developed "HSBC Intelligence", which has established a reputation among premier customers with its flexible global asset allocation scheme and customized exclusive support.

Combining artificial intelligence (AI) with wealth management is also an innovation that HSBC is trying. The operation of AI index needs the support of supercomputer and intelligent investment strategy. EquBot was founded by former executives of Intel and several major fund companies on Wall Street, specializing in the research of AI investment. 20 17, the first to register and establish an AI strategy ETF. HSBC is also involved in formulating the fluctuation control strategy of AI index.

During this period after the global financial market turmoil triggered by this year's epidemic, the performance of AI index was eye-catching. It will draw lessons from past events such as SARS in 2003, collect relevant signals of epidemic situation at an early stage, and successfully predict the severity of the market. In terms of investment decision-making, AI pre-adjusted the position of the portfolio in April, that is, defensively avoided industries vulnerable to epidemic and economic recession, such as non-essential consumer goods, industry and finance, and increased some industries that may benefit from the epidemic, such as medical care, essential consumer goods, information technology and communication services. In May, we continued to over-allocate stocks such as medical care. More than 67% of the positions are concentrated on three themes of fighting the epidemic and economic recession: health care and biotechnology, consumer goods related to the epidemic, and information technology enterprises.

/HSBC Global Capital Markets Yang:

AI index will establish investment strategies and rate a large number of companies, and select the stocks with the highest scores to build a portfolio. AI will establish dozens of indicators from three dimensions: finance, news and information, and company management to rate companies. EquBot has patent protection in AI identification of true and false messages. In the process of analyzing and judging whether news is true or false, AI will give higher trust value to channels with higher credibility, so as to filter out those false news, and then analyze more reliable information sources, such as Bloomberg and Reuters.

It is worth noting that although the purpose of introducing AI strategy is to find a way to invest once and for all, it does not mean that AI will be invincible forever. It is not a panacea. In a certain period of time, it may not be able to outperform the Standard & Poor's 500 Index or Star Fund. However, fund managers may be replaced, and fund managers also have their own weaknesses or blind spots. And AI can learn and grow by itself. So in the long run, there is reason to believe that the long-term performance of investment with AI strategy may be more stable.

Travel housekeeper:

An "extraordinary travel" platform that better understands the needs of passengers.

As a daily financial tool serving everyone, credit card fully meets everyone's demand for payment and funds. Travel, as a very important part of life, will inevitably become an important link for banks to serve customers. And HSBC's "extraordinary travel" platform was born to solve customers' demands in travel.

As a one-stop travel rights center, HSBC's "Extraordinary Travel" platform covers multi-scenario travel rights, catering, accommodation and travel, including services during and before travel. At the same time, the platform has multi-level customer benefits, which can meet different consumer needs. Users can access the platform through multiple portals, realize fast and convenient login and flexible page configuration, and get the latest benefits of instant update. HSBC's "Extraordinary Travel" platform serves a wide range of customers, such as HSBC credit card holders, personal retail banking customers and potential customers interested in travel rights.

In order to provide passengers with more needed services, HSBC has joined many travel experts and cooperated with HSBC, such as Ctrip, Qunar and Tongcheng. There are also card organizations with international networks such as UnionPay and MasterCard, as well as the largest domestic airlines such as China Eastern Airlines and China Airlines. In addition, many excellent service providers in the tourism industry, such as Longteng Travel and Supreme Car Rental, also participated in the cooperation.

/Credit Card Senior Product Manager Yu:

We don't have to go to the bank counter to complete the business like a traditional bank. Really let customers experience perfect banking services anytime and anywhere. Use intelligent data analysis to record preferences and recommend the most suitable rights products for you.

We hope to use travel as a bridge between customers and connect customers and banks closely. Open a window between you and HSBC financial services from the perspective of travel rights; Multi-platform linkage, together with HSBC's study abroad, family and health sectors, constitutes a good financial ecosystem, thus providing customers with quality services and experiences in all aspects.

Personal study abroad:

HSBC Global Banking Services Solve Customers' Worry about Studying Abroad

HSBC understands that most customers need financial-related products and services when traveling abroad, studying abroad and emigrating overseas. HSBC's global banking services can provide you and your family with all-round strong support. At present, HSBC has more than 65,438+0,000 branches in more than 65,438+0,000 cities around the world, covering popular destinations such as London, new york, Vancouver, China and Hongkong.

HSBC China has hired vice presidents of business development and international cooperation with rich working and living experience in the United States, Canada and Singapore, respectively, to provide customers with local information on these markets. Overseas HSBC local teams can also provide very strong support to customers. In some countries and regions, HSBC has an account manager who can speak Chinese, so that HSBC customers and their families can enjoy peace of mind no matter where they are.

The exclusive team of HSBC China provides free support for outstanding wealth management customers who need to study abroad, and provides services and support such as overseas HSBC account opening reservation service, global transfer, HSBC study remittance, personal study loan and global emergency support. HSBC Premier customers who need to study abroad and meet the corresponding conditions can make an appointment to open an overseas account for free. When they arrive at the study destination, they will immediately enjoy the contact and reception of a special person and arrange to open an account in the local area in time.

/Lin Zhen, Vice President of Business Development and International Cooperation of HSBC:

When I was studying abroad, I felt heavy, mainly leaving my hometown. I am full of hope and anxiety about the future. Then I got on the plane and walked through the boarding corridor covered with HSBC logo, which was regarded as seeing something familiar. Because my family has always been a loyal user of HSBC. I was very nervous when I arrived at Toronto International Airport after a 13-hour flight, but when I got off the plane, I saw a corridor full of HSBC signs at first sight, and the familiar things immediately eased my nervousness.

As an international bank, one of the biggest advantages of HSBC is the linkage of global outlets. One of the advantages of HSBC is the best in one place and the best in the world. Our global banking service allows you to travel around the world as a distinguished financial VIP and get our global support and services anytime and anywhere. As long as you become our distinguished VIP customer in China HSBC, you can apply to be a distinguished VIP customer in any other country or region, feel at home and enjoy the global distinguished VIP treatment.

/Xing Wenyu, Wealth Management and Personal Banking Manager of HSBC:

I believe many parents of foreign students are worried about whether their children will leave, eat well, wear warm clothes and adapt to local life. We at HSBC just want to give parents and students a sense of security. No matter where you go in the world, when you see the logo of HSBC, you will have the feeling of meeting old friends in another country. And during the epidemic, in order to solve the most worrying security problem for the families of international students. From this, the Future Elite Guardian Program was launched to help qualified customers solve their concerns about overseas medical treatment.

Corporate interests:

HSBC's "Working Class" Company Employee Plan

HSBC's "working family" company employee plan is set up by HSBC for specific company employees. After joining the program, customers can enjoy all kinds of personal banking products and services of HSBC as well as a series of exclusive benefits and privileges of the program.

Paymaster's employee-specific plan has four main advantages, including "full coverage exclusive privilege", "one-stop financial scheme", "all-round convenient experience" and "professional global support". HSBC provides all-round online and offline service channels for customers who participate in the company's employee plan, meets the needs of overseas travel, study abroad, immigration and other related financial services, has a professional and comprehensive one-stop banking solution, and is a trusted financial housekeeper for customers.

There are three kinds of "paid family" programs in HSBC: surplus, excellent financial management and advanced financial management. Customers under the company's employee plan can become any of these customer types and apply for corresponding accounts. We will also recommend the appropriate service brand type according to your income.