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Industrial Research

Industrial Research. Personal Finance. What is personal finance?. Personal finance is a study of economic factors and personal decisions that affect a person ’ s financial well being. How people spend How people save How people protect How people invest.

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Industrial Research

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  1. Industrial Research Personal Finance

  2. What is personal finance? • Personal finance is a study of economic factors and personal decisions that affect a person’s financial well being. • How people spend • How people save • How people protect • How people invest

  3. The growing importance of personal finance today • Sluggish growth in personal income -- • Between 1980 & 1997 personal income growth rate only slightly more than 2% • More options available for your money • Increasing number of choices offered in banking, credit, investments, and retirement planning. Also more benefit options

  4. Personal financial planning encompasses a lifetime Personal financial goals change as a person progresses through life. College for kids Retirement Income Buy a house 20 yrs.old 40 yrs. old 60 yrs. old

  5. Objectives of Financial Planning • Maximize wealth • Practice efficient consumption • Achieve life satisfaction • Maintain financial stability • Prepare for retirement

  6. How it works?

  7. The big player – HSBC

  8. Background Information • >130 years ago • >9,500 offices in 80 countries • Eg, Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. • domestic commercial banking and financial services

  9. Personal Financial Service • Banking Service • Card Services • Personal Credit Services • Mortgage Services • Insurance Services • Investment Services • Payment Services

  10. 1. Banking Service • provides different banking services • Eg, Internet banking, Phone banking, Self-service banking, Mobile banking and Branch banking • i) University Student Account • ii) HSBC Premier

  11. 1.i) University Student Account • help university student achieve financial independence through a range of special privileges and services • free credit card • current account • university student TravelSurance • integrated protection plus

  12. 1.ii) HSBC Premier • help high premium customer make the most of their wealth • Offering world-wide access • Providing single banking portfolio with consolidated statement • Supporting comprehensive range of investment tools • Affording free financial planning review

  13. 2. Card Services • different card for different client • HSBC Visa and HSBC Master Card • HSBC JCB Gold • iCan card

  14. 3. Personal Credit Services • provide instant answer to customer’s immediate financial needs. • Personal Instalment Loan • Revolving Credit Facility • Car Loan Extra

  15. 4. Mortgage Services • different mortgage services for different investors and citizens • First-time Home Buyers • Free Choice Mortgage • Mortgage Refinancing

  16. 5. Insurance Services • different insurance packages to protect yourself and your family • Travel insurance • Home and Motor insurance • Accident and Health insurance

  17. 6. Investment Services • different investment services no matter in risk investment and life planning • Financial Planning • Purchase of securities and bonds, IPO • Offering financial information

  18. 7. Payment Services • different payment services to enable it to provide fast and 24-hours services • Bill payment-Auto Pay • Overseas Transfer • Local Money Transfer

  19. Conclusion

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