Qiao Qingye listened and became interested, she recognized Wang Zhipeng's statement very much, and even suddenly remembered what Xu Yanhe told her when Wang Cailing had a 10 million insurance policy before, some functions of insurance are indeed valued by customers, and not all customers only look at the immediate benefits.

"So what kind of insurance do you have for your customers?"

"I mainly configure two types of insurance, one is annuity insurance, the other is whole life insurance, annuity insurance will bring long-term and stable cash flow to customers, suitable for education planning and pension planning, suitable for people who do not have so much money or unstable sources of funds;

Whole life insurance, on the other hand, is more suitable for wealthy people, because it is based on life, which cannot be inquired, frozen and deducted, and it can be withdrawn flexibly, and it can also be used as a reserve for a comeback......"

What Wang Zhipeng said was very simple, but Qiao Qingye felt that he had benefited a lot, this was exactly the answer she wanted in her heart, and it solved the knots in her heart, Liu Hao's funds have always been planned with ordinary financial management, will he also need such reserves to prevent worries?

"But the insurance income is really low, how do you do the combination? So that customers have both reserves and immediate benefits? ”

"Oh, I'm looking at our market, the market is at 2800 points, there are a lot of value stocks that are seriously undervalued, and it is very suitable for customers to earn high returns, but I don't have time to keep an eye on stocks, it's good to do some funds, and diversify and have higher returns."

"Amazing, Zhipeng, listening to your words is better than reading a book for ten years, I feel like I'm suddenly open~"

After listening to Wang Zhipeng's words, Qiao Qingye felt that his thoughts were clear, his confidence was doubled, and he couldn't hide his admiration between his words.

"I've won awards, Qingye, I'll have to ask you how to get big customers another day, my asset size is too small, and now there is still a customer phone at hand that hasn't been called, why don't we talk back?"

Qiao Qingye listened to Wang Zhipeng's modest tone, and gave him a thumbs up in his heart, a young man has such a professional level of mind, this is the future.

"Okay, thank you Zhipeng for selflessly sharing experience, if I successfully open the bill, I must invite you to dinner~"

"Okay, okay, look forward to it, bye-bye~"

"Bye-bye~"

After hanging up the phone, Qiao Qingye recalled the conversation between the two just now, and had a deeper understanding of the marketing of insurance products.

Different customers need different financial products, just like how can patients with different diseases only take the same medicine? The asset allocation mentioned in the bank turned out to be this truth, Qiao Qingye felt an impulse in her heart, and wanted to call Liu Hao immediately, explain to him what she had gained today, and allocate assets for him, she hesitated for a moment and dialed the phone-

"Hey, honey, are you busy?"

"I'm not busy, I'm not busy, if Sister Qiao looks for me, I'm not busy at any time. Miss me just after we separated? ”

Liu Hao's voice on the phone was still so lazy and gentle, Qiao Qingye continued:

"No~ Seriously, I just opened the system and saw that you have added so many assets in Shanghai Pudong Development Bank, and I have to help you maximize the safety of assets and returns as a financial manager...... Hey, are you listening? ”

"Listening, I feel that what you said is so right, so talented, what good products do you recommend to me?"

"Asset allocation is not a product can be done, that is the overall capital planning, usually we are based on the theory of Standard & Poor's to plan, but according to the customer's risk appetite can also be adjusted, I have to help you make a plan, let you choose~"

"Wife, why are you so powerful~"

“…… What did you call me just now? ”

"Oh, my mouth is bald, I said dear, you are too talented, just do what you say, let's make a plan, and we'll make it after it~"

Qiao Qingye's heart skipped a beat when he heard Liu Hao's slip of the tongue, and Liu Hao's serious explanation behind him made Qiao Qingye smile at the corner of his mouth.

"Okay, I'm very serious about work, don't affect people's professionalism~"

"Okay, good~ Isn't it just to invest and manage your finances when you come to Qifa Bank, okay, you can do it, and give full play to your professionalism!"

Listening to Liu Hao's words, Qiao Qingye felt beautiful in his heart, this is a feeling of professionalism being respected, not a feeling of brushing his face, pulling relationships or something, which makes people feel indebted.

In the next week, Qiao Qingye spent his spare time serving door-to-door consulting customers to make asset planning for Liu Hao, first analyzed Liu Hao's current asset allocation status and the defects in the current asset situation, and then gave detailed asset allocation suggestions according to the Standard & Poor's theory, including funds, insurance, trusts, and financial management.

Because of the huge amount of money involved, in order to do a good job in this plan, Qiao Qingye also consulted Tian Tian, the boss of the private banking department of the branch, and finally made the most perfect asset planning report based on the analysis of the market and the selection of products.

Qiao Qingye is still quite proud of this finalized plan, and is full of expectations for reporting the plan to Liu Hao next week.