At present, the main financial management methods in China are:

1. Savings

Savings, or deposits, are an investment behavior that is very popular among ordinary households. One of the most commonly used investment methods. Compared with other investment methods, savings are safe and reliable (protected by the constitution), convenient (savings business outlets are all over the country), flexible in form, and inheritable. Savings is a business in which banks mobilize and absorb residents' surplus monetary funds through credit. After banks absorb savings deposits, they invest the money in the social production process in various ways and make profits.

2. Gold speculation

Since the Bank of China launched the "Huanghuangbao" business in Shanghai specifically for individual investors, gold speculation has been a hot spot in the personal financial management market and has attracted much investment. readers’ attention and favor. Especially in the past two years, international gold prices have continued to rise. It is foreseeable that with the gradual opening up of the domestic gold investment field, the growth potential of gold demand in the future is huge.

3. Funds

Funds have always been highly praised by domestic individual investors. As of 2012, funds have significantly exceeded deposits and have become the top priority among many aspects of investment and financial management. . According to relevant information, the net value of domestic funds today has exceeded 200 billion yuan. According to the survey, in 2013, many investors are still very optimistic about the advantages and characteristics of funds such as stable income and low risks, and hope to obtain ideal returns through fund investment.

4. Stock trading

Some experts have analyzed that the capital supply and demand situation will be relatively optimistic in the future, which is undoubtedly a shot in the arm for the capital-driven Chinese stock market. In addition, the China Securities Regulatory Commission has put forward more stringent requirements on the performance calculation and financing amount of listed companies, and strengthened the regulation of the stock market, which will bring profit opportunities to investors.

5. Treasury bonds

There are many varieties in the treasury bond market, and investors have many choices. New attempts and reforms have also been made in the issuance of treasury bonds, which have further improved the marketization level of treasury bond issuance to minimize the interference of non-market factors. In addition, the secondary market for government bonds will also become the focus of development in 2013. It can be seen that this series of innovations in national debt will definitely bring more investment options and greater profit margins to investors.

6. Bonds

The popularity of the bond market is unexpected. Various signs indicate that corporate bond issuance is likely to accelerate in 2013, and corporate convertible bonds, floating-rate bonds, bank subordinated bonds, etc. may become good investments for people. In addition, the China Banking Regulatory Commission will include subordinated term debts in supplementary capital to supplement the capital structure of commercial banks, making bank bond issuance imminent, which will fuel the resurgence of the bond market.

7. Foreign exchange

As the U.S. dollar exchange rate continues to decline, more and more people have made considerable profits through personal foreign exchange transactions, which has also made the foreign exchange market extremely hot. . Various foreign exchange financial management products have also been launched one after another, such as Huishitong of commercial banks, Foreign Exchange Bao of Bank of China and Agricultural Bank of China, and Express Huitong of China Construction Bank, etc. for investors to choose from.

8. Insurance

Compared with the tepid insurance market, income insurance has been highly sought after since its launch. Income insurance generally has many varieties. It not only has the most basic protection function of insurance, but also can bring considerable income to investors. It can be said to be a win-win situation for protection and investment. Therefore, purchasing income insurance is expected to become a new investment and financial management hotspot for individuals.