What is a Financial Planner?

A financial planner is a person who uses the principles, technologies, and methods of financial planning to provide comprehensive financial advisory services to individuals, families, and small and medium-sized enterprises and institutions. Financial planning requires a full range of services.

Financial planner

Financial planner

Financial Planner is a professional who provides clients with comprehensive financial planning. According to the Ministry of Human Resources and Social Security of the People's Republic of China (originally

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In the practical work of financial planning, the goals of financial security and financial freedom are

Financial planners have diversified development directions. Can serve financial institutions such as commercial banks, insurance companies,

New policies and changes in the 2011 financial planner exam

Beginning in May 2011, the national financial planner's second-level and third-level exams were changed to computer-based exams;

The contents of the three-level examination appraisal: professional ethics, theoretical knowledge, and professional ability; all are objective questions.

The contents of the second-level examination appraisal: professional ethics, theoretical knowledge, professional ability, and comprehensive evaluation (case analysis);
registration time:

The registration time for the 2013 Financial Planner Exam has been announced, and the registration time varies from region to region.

Examination content: a total of three subjects (basic knowledge, professional skills, comprehensive evaluation)

Result announcement: within two months after the test

Certificate issuance time: within two months after the results are announced

The 2013 financial planner (level 2-3) exam time is:

First half May 18 to May 19

Second half of November 16th to November 17th

08: 30-10: 00 Theoretical Knowledge Test

10: 30-12: 30 Professional ability assessment

14: 00-15: 30 Level 2 Comprehensive Review

Remarks: Computer-based examination; professional ability assessment, comprehensive evaluation can use a dedicated calculator.

Fill in the application form for national professional qualification appraisal when you sign up, and submit the original and photocopy of the photo, identity certificate, academic certificate, working experience certificate and other materials.

The required registration materials will be slightly different in different years and regions. For details, please refer to the relevant local government announcements of that year.

The financial planner examination is divided into a theoretical knowledge examination and a professional ability examination. Theoretical knowledge examination and professional ability assessment adopt closed-book method, both implement a percentage system. Those with a score of 60 or above are qualified, and they can get the national professional qualification certificate of financial planner. Financial planners must also conduct a comprehensive review. Those who have achieved a score of 60 or higher in the theoretical knowledge test, professional ability assessment, and comprehensive assessment are qualified, and can obtain a national professional qualification certificate for financial planners.

In March 2013, the fifth edition of the national professional qualification training materials for financial planners has been released

"Fundamentals of Financial Planners (Fifth Edition)" Catalog

Editor: Beijing

"Finance Planner Qualification Exam Question Bank" is a financial planner exam test counseling software, which is suitable for financial planner exams. The software test bank design is closely linked to the latest financial planner exam outlines and exam textbooks. Subjects, rich in tutoring materials and examination materials, free trials, and huge test questions (the registered version has more than 81,100 questions, more than 1.12 million words), and the tutoring software includes a financial planner examination review question set, simulation papers, and calendar Test questions and test tutoring software include all the latest financial planner exam subjects: financial planning basics, risk management and insurance planning, investment planning, tax planning, retirement planning, property allocation and inheritance planning, comprehensive financial planning, simulated test papers, calendar years Exam questions, and provide professional-level financial planner examination problem-solving methods, answering skills, and examination points. Through comprehensive and targeted intensive exam counseling training and pre-exam training, improve the ability of financial planners to take the exam.

Financial Planner National Professional Qualification Certification (ChFP) is issued by the Ministry of Human Resources and Social Security of the People's Republic of China and is the only financial planner certificate issued by the government. Comprehensive use of investment, legal, financial and other professional knowledge, with cash planning, consumer spending planning, education planning, risk management and insurance planning, investment planning, retirement planning, tax planning, property allocation and inheritance planning as the main tools to cultivate wealth management Elite is the goal, training students' professional financial planning knowledge and ability.

ChFP is a professional qualification certificate issued by the Ministry of Labor and Social Security of the People's Republic of China. It is the only financial planner certificate issued by a government authority. The certificate uses a uniform national number and can be checked on the official website of the Ministry of Labor and Social Security, the National Vocational Qualifications Work Network, to check the authenticity.

On December 31, 2007, the General Office of the State Council promulgated the "Notice on Cleaning Up and Regulating Various Activities Related to Professional Qualifications" (Guobanfa [2007] No. 73), which states that "everyone The non-administrative licensing professional qualifications approved by the department shall be determined on the basis of the clean-up specifications and announced to the society. Other types of non-administrative professional qualifications shall be classified and cleaned up: other departments of the State Council, various direct agencies, All directly affiliated public institutions and subordinate units must be cleared in a timely manner. If it is really necessary, they must be approved by the personnel and labor security departments of the State Council in conjunction with the relevant departments and put into the unified state management.

There are three levels of national professional qualification certification for financial planners, namely

The Ministry of Human Resources and Social Security has strict requirements for candidates applying for the National Financial Planner, and must meet the following conditions.

National Senior Financial Planner (Professional Qualification Level I):

Have one of the following conditions

1. Continuously engaged in this occupation for more than 19 years.

2. Have a bachelor's degree or intermediate title and have been engaged in this occupation for more than 13 years.

3. Have a master's degree or above or a senior title, and have been engaged in this occupation for more than 10 years.

4. After obtaining the professional qualification certificate of this professional financial planner, he has been engaged in this professional work continuously for more than 4 years.

5. After obtaining the professional financial planner's professional qualification certificate, he has continuously engaged in this professional work for more than 3 years, and has reached the required standard hours after being trained by the professional senior financial planner, and obtained a certificate of completion.

National Financial Planner (Class 2 Professional Qualifications):

Have one of the following conditions

1. Continuously engaged in this occupation for more than 13 years.

2. After obtaining the third-level vocational qualification certificate of this occupation, he has been engaged in this occupation continuously for more than 5 years.

3. After obtaining the third-level vocational qualification certificate for this occupation, he has been engaged in this vocational work for more than 4 years, and has reached the required standard number of hours after the second-level formal training in this vocation, and obtained a certificate of completion.

4. After obtaining a bachelor's degree certificate in this major or related major, he has been engaged in this occupation continuously for more than 5 years.

5. Having a bachelor's degree certificate in the major or related majors, and having obtained the third-level vocational qualification certificate for the profession, he has been engaged in the occupation for more than 4 years.

6. With a college degree certificate in this major or related majors, after obtaining the third-level professional qualification certificate for this profession, he has continuously engaged in this professional work for more than 3 years, obtained the required standard number of hours after the second-level formal training in this profession, and obtained a certificate of completion.

7. After obtaining a master's degree or above, he has been engaged in this occupation for more than 2 years.

Assistant Financial Planner (Professional Qualification Level 3):

Have one of the following conditions

1. Continuously engaged in this occupation for more than 6 years.

2. Graduation certificate from a technical school, technician college, or vocational and technical college with advanced skills as the training target.

3. Have a college degree or above in this or related major.

4. Have a college degree or above in other majors and have been engaged in this occupation for more than 1 year.

5. Have a college degree or above in other majors, have achieved the required standard number of hours after formal training at the third level of this profession, and obtained a certificate of completion.

Related majors: law, finance, accounting, economics, management majors.

The second-level financial planner exam, the more difficult is the basic knowledge, because the weight of multiple choice questions is relatively large, and the difficulty of professional ability is lower, because all are single-choice questions, but please note

In 2002, entrusted by the Vocational Skills Appraisal Center of the Ministry of Labor and Social Security, the current Secretary-General of the Financial Planners Professional Committee of the National Vocational Skills Appraisal Expert Committee and the Deputy Chairman of Dongfang Huaer Financial Consulting Co., Ltd. initiated the preparation of the "National Planners "Professional Standards", and began to compile the financial planning planner's national vocational qualification examination counseling materials.

In 2003, the Ministry of Labor and Social Security officially launched the profession of financial planner.

In 2004, the Professional Committee of Financial Planners of the National Professional Skills Qualification Expert Committee was established.

In 2005, entrusted by the Ministry of Labor and Social Security, Beijing Oriental Huaer Financial Consulting Co., Ltd. and Renmin University of China held the nation's first national professional qualification experimental training course for financial planners in Beijing. After passing the examination, he was awarded the professional qualification of a financial planner with a national character.

In 2006, financial planners were included in the national unified assessment of professional qualifications.

In 2007, nearly 30,000 people took the certification exams. The number of China's national financial planners has exceeded 80,000, and it has formed China's most mainstream and authoritative professional group of financial planners.

In 2009, the national senior financial planner was approved to carry out the certification pilot.

In 2010, the first batch of national senior financial planners passed examinations and obtained professional qualification certificates.

In 2013, the fifth edition of the unified textbook for financial planners was published.

1. Certificate anti-counterfeiting

Sample of financial planner qualification certificate:

With the rapid development of China's economy in the past 30 years, the middle class and the wealthy are rapidly forming, and a considerable part of it has gradually developed from the stage of radical investment and rapid accumulation of wealth to the direction of stable and conservative investment, financial security, and comprehensive financial management. The demands of financial planners who provide objective and comprehensive financial services have grown rapidly. According to a survey by McKinsey, China's personal financial market will grow to 57 billion US dollars in 2006, and professional financial management will become one of China's most promising financial services. In contrast to the growing bullish demand for financial services, the number of Chinese financial planners is clearly insufficient. The scale of China's domestic wealth management market is far more than 100 billion yuan. A mature wealth management market must have at least one professional financial planner in every three households. Based on this calculation, there is a gap of 200,000 people in China's financial planner career. Beijing alone has a gap of more than 30,000. In China, less than 10% of consumers' wealth is professionally managed, compared with 58% in the United States.

Provide customers with financial services as a third party. In 1997, the average annual salary of American financial planners was $ 110,000, equivalent to middle managers in large companies. The difference is that many of them only work 600 hours a year. In 2001, the United States ranked first in the "job evaluation" ranking, including positions such as the president.

It is understood that the average annual income of financial planners in the United States is US $ 110,000, the highest income of financial planners in Hong Kong is more than HK $ 2 million, and the Secretary-General of the National Financial Planning Expert Committee

Since the reform and opening up,

(1) Managers, training managers, business managers and wealth managers of the personal finance department of the bank.

(2) Securities companies

There are two exams for assistant financial planners: basic knowledge and professional ability, both of which are computer-based exams; "Basic Knowledge" includes single-choice, multiple-choice, and judgment, and "professional ability" has only multiple-choice questions).

Three exams for financial planners: basic knowledge, professional ability, and comprehensive assessment, all of which are computer-based exams; of which, "basic knowledge" includes single choice, multiple choice, and judgment; "professional ability" are single-choice questions, and "comprehensive assessment" Multiple choice questions for indefinite items.

Certificate inquiry can be found on the National Financial Planner (ChFP) examination network by clicking on the qualification certificate inquiry.

Issuing authority: Ministry of Human Resources and Social Security of the People's Republic of China

Certificate issuance time: within two months after the results are announced

Certificate Loss Handling: Because the Ministry of Human Resources and Social Security does not accept the replacement of individual certificates, the person who lost the certificate can submit the following materials to the corresponding training institution for the replacement of the certificate, as follows:

I. The person who lost the certificate submits the application document to explain the reason for the loss.

2. If the training institution is found to be true, it will provide relevant certification materials to the country.

1. The Central (People's) Bank, the Banking Regulatory Commission, the Securities Industry Regulatory Commission, and the Insurance Industry Regulatory Commission. These are the financial sector regulatory agencies.

Entering the industry supervision and management department as a financial officer should be the first choice for financial graduate students. First, China's finance is based on macroeconomics. Based on the macro-control of the financial market, professional applications are easier to get started, and policy control is in place. Second, it takes at least three to five years for the industry management department to enter the practice institution and give at least a middle class. The post above. The limitation is that it is difficult to enter the competent departments of these industries, and background may be needed. Undergraduates want to enter more difficult, unless they are really excellent.

2. Commercial banks, including the four major banks and joint-stock commercial banks, urban commercial banks, and domestic branches of foreign banks.

Entering the four state-owned commercial banks first is a good choice for graduates. With certain banking industry experience and professional background, the possibility of going to a joint-stock commercial bank or a foreign bank's resident institution in China will increase. Many classmates started their careers in the four major state-owned banks. After the rapid development of city joint-stock commercial banks, they switched jobs and became the backbone of city commercial banks and joint-stock commercial banks. Many became middle managers and a few became senior leaders. City commercial banks and joint-stock commercial banks are flexible and pragmatic, irrespective of seniority of cadre appointment methods, making the four major banks become their "Huangpu Military Academy" of professionals, this situation continues to this day. In addition, although the four major state-owned banks have some legacy bureaucratic habits, their stable income, lighter pressure, and higher welfare level are still attractive, especially for female students. Friends who are interested in the four major state-owned commercial banks are advised to focus their professional directions on commercial bank operations management, international finance, and monetary policy.

3. Policy banks such as China Development Bank and Agricultural Development Bank of China.

Policy banks such as Development Bank and Agricultural Development Bank are also better choices, but the nature of their work is similar to that of civil servants, and financial services are not prominent. They rely on policies to eat. The benefits for personal careers are relatively higher than those of industry regulators and commercial banks. It is still weak. If you want to have a temporary climate in the financial field, it is best not to choose such a unit. However, the salary level of such units is better than that of commercial banks, and this has become a bright spot that attracts the attention of graduates.

4. Securities companies (including fund management companies), trust and investment companies, financial holding groups and other financial companies with high risks.

Securities, trusts, and funds all rely on risk management to eat. There are risk factors in the industry system, but they flourish, it is relatively easy to make money, and short-term returns are high (the risks are also large). They operate according to the real corporate management mechanism. If you want to develop professionally and make achievements, it is an excellent choice in this industry. Many fund managers and investment bank managers have annual salary of more than one million. The difficulty is that the education requirements are gradually increasing, and the minimum requirement is a master's degree. Compared with banks and other financial institutions, their personal investment management and financial operation capabilities are higher. If you are interested in these industries, you can choose the direction of securities investment, financial market, and financial engineering. It is also a good choice if you are studying financial management and a master of law (undergraduate degree is in financial economics). The re-emergence of the trust industry has added a new option for graduates in finance and other majors. The operation strategy of its large investment bank has also led it to follow an elite line in personnel use. Eighty percent of the company's profits are generated by less than five percent of its employees. " The above three current employment ideas are actively seeking angles. These three companies have the most mobility in the financial industry.

5. The four largest asset management companies, financial leasing and guarantee companies.

The four major asset management companies are similar to policy banks. The financial leasing and guarantee industry is developing rapidly, and you can consider entering it. Of course, if you have experience in banking and securities, you should be more effective in entering this industry.

6. Insurance companies and insurance brokerage companies. Social Security Fund Management Center or Social Security Bureau.

An insurance company can refer to the analysis of commercial banks. After years of experience in insurance marketing and risk management, the rapid growth of domestic joint-stock insurance institutions and the entry of foreign insurance institutions are promising. The actuarial major is very popular. Social security centers and financial audit departments are places where they can provide care for the elderly. They have more stability and lack of flexibility. Of course, friends who want a stable return may wish to consider it as an option.

VII. Listed (to be listed) stock company securities department, finance department, securities affairs representative, board secretariat, etc.

You can also work in the securities department of a listed company. You have to cross the two branches of the securities industry before you have a foothold in development. If you have done the IPO preparations throughout the process, it will be more beneficial to your future career. It requires higher financial and industrial analysis capabilities. It is necessary to strengthen this learning.

8. Government administrative agencies of the national civil service sequence, such as finance, auditing, customs departments, etc .; teachers of financial and professional disciplines in colleges and universities; researchers in research institutions.