Any financial product has risks, and bank short-term financial management is no exception. The only difference is the degree of risk. However, banks’ financial products generally do not carry too much risk. Moreover, the liquidity of short-term financial products is very good, so losses can be stopped in time.
Financial management products like banks can be divided into guaranteed income, capital-guaranteed floating income and non-principal-guaranteed floating income according to the type of income. The first two categories are capital guaranteed, and there is basically no possibility of losing principal.
Although the third category may lose principal, the probability is not high. Unless there is a major turmoil in the financial market, there will not be too much loss.
Some of the bank's financial products will also cooperate with some companies and institutions. For example, if you buy bonds issued by the company, you will also need to bear the corresponding credit risk of the company. If the company defaults, goes bankrupt, etc. In this case, the product you purchase will be at risk of loss.
The fluctuations in the financial market will definitely affect the principal and income of financial products. Therefore, if the fluctuations are large, the financial products purchased will also face greater market risks.
So everyone’s investment and financial management must be within the risk level they can bear. Usually, the higher the return, the greater the risk. It is also important to note that the financial products purchased at the bank are not necessarily from the bank, because the bank will also sell some products on behalf of the bank.
The word "financial management" first appeared in the early 1990s, according to statistics from Zhongyin.com Data Center. With the expansion of the domestic stock and bond market, the increasingly rich commercial banking and retail businesses, and the overall income of citizens rising year by year, the concept of "financial management" has gradually become popular. Personal financial management varieties can be roughly divided into personal asset varieties and personal liability varieties. Funds, stocks, bonds, deposits, life insurance, gold, online loans, etc. are personal asset varieties; while personal housing mortgage loans and personal consumer credit are It is a type of personal debt.
What is financial management
When most people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is the management of a lifetime's wealth, that is, the cash flow and risk management of an individual's lifetime. Contains the following meanings:
1. Financial management is a lifetime of financial management, not just solving urgent money problems.
2. Financial management is cash flow management. Everyone needs money (cash outflow) as soon as they are born, and they also need to make money to generate cash inflow. Therefore, no matter whether you have money or not, everyone needs to manage money.
3. Financial management also covers risk management. Because more future flows are uncertain, including personal risks, property risks and market risks, they will all affect cash inflows (risk of income interruption) or cash outflows (risk of increasing expenses).
Where to manage money
At present, the institutions in China that can provide customers with financial services mainly include banks, securities companies, investment companies, economic management companies, etc.
1. Bank financial management
Currently, the financial products provided by commercial banks in my country are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.
2. Securities company financial management
Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can according to their different needs and investment preferences Choose from different financial tools.
3. Investment company financial management
Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. It requires a relatively high starting capital and is suitable for high-end financial managers.
4. APP financial management
Currently, there are a series of APP financial management methods on mobile phones, with zero starting capital and suitable for all people.