The word "investment and financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular.
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Investment and financial management methods:
Investors need to open corresponding investment and wealth management accounts before investing and wealth management. In order to prevent investors from falling into the misunderstanding of investment and financial management, resulting in property and spiritual losses, investors should go to formal financial institutions that meet the requirements of national supervision when opening investment and financial management accounts such as savings, insurance, stocks, bonds, foreign exchange, futures and gold.
China's financial institutions are mainly divided into three parts: banks, insurance and securities. However, from the perspective of investment and wealth management, securities companies can provide investors with more investment and wealth management channels and apply for more types of investment and wealth management accounts. Some financial instruments (such as bonds) can also open investment and financial accounts through various channels (banks or securities companies).
Generally speaking, banks can handle savings products, bank wealth management products and fund products through investment and wealth management accounts opened by banks, and large banks can also purchase government bonds through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.
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