management of personal money
When 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 to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life.
At present, the institutions that can provide financial services to customers in China mainly include banks and securities companies.
① Bank financing
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
② Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
At present, you need to open a corresponding financial account when you go to a bank or a securities company for financial management. Generally speaking, wealth management accounts opened through banks can handle savings products, bank wealth management products and fund products, 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.
The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day. Some securities companies, such as Guotai Junan Securities, can make online appointments through the websites of various provinces (such as Guotai Junan Guangdong), and the appointment time for opening accounts is also flexible, and accounts can be opened during working hours, lunch break and Saturday and Sunday.
At present, there are many hot spots in financial investment, which can be summarized into twelve aspects: speculation, funds, stocks, futures, national debt, savings, bonds, trust, foreign exchange (rockmms Rock is a good international platform), insurance, bank wealth management products and jewelry.
corporate finance
Wealth management companies are mainly divided into bank wealth management centers, wealth centers and private banks; Financial centers of securities companies, funds and futures companies; Financial management centers of insurance companies and insurance intermediaries; Third-party wealth management companies; For other companies run by individuals, their specific information is as follows:
1. Banking wealth management centers, wealth centers and private banks. Usually has a good reputation and serves high-end customers. Services provided include financial products, value-added services, consulting services and financial planning services.
2. Financial centers of securities firms, funds and futures companies. Services provided include: securities consulting, consignment fund, futures investment consulting, etc.
3. Financial management centers of insurance companies and insurance intermediaries. Usually mainly sells insurance products.
4. Third-party wealth management companies. Financial service institutions between customers and financial institutions. Can provide comprehensive financial planning.
5. Other companies run by individuals are extremely risky, and their main business is to speculate in stocks and draw commissions. The methods of enterprise financial management include fund-raising management and investment management. Fund-raising operation refers to the financial behavior of enterprises to raise capital (gold) needed by enterprises economically and effectively through fund-raising channels and capital (gold) market according to the needs of production and operation, foreign investment and capital structure adjustment. Financing methods mainly include raising equity funds and raising creditor's rights funds. The purpose of fund-raising management is to meet the company's capital demand, reduce the cost of capital, increase the company's interests and reduce related risks. Investment management company is a new type of stock holding company, referred to as PIMC. Its main purpose is to provide other companies with some unfavorable factors such as strategic planning and capital introduction, so as to realize the revival of the company and embody the principle of win-win cooperation and competition.
Three stages of corporate finance:1900-1959 financing management stage; 1964— 1979 investment and financial management period; 1980— Up to now.
Personal and corporate finance can also be divided into nine sections: the first section is saving, the second section is buying insurance, the third section is buying guaranteed financial products, the fourth section is investing in stock futures, the fifth section is investing in real estate, the sixth section is investing in art collection, the seventh section is investing in corporate property rights, the eighth section is investing in brands, and the ninth section is investing in talents. Among them, the first to third paragraphs are the primary level of financial management, the sixth paragraph is the intermediate level, and more than seven paragraphs are the advanced level. People with some level can think that the first to third paragraphs are not "financial management" at all, and the fourth to sixth paragraphs are financial management, but it depends on whether it is for "investment". Buying a house and living by yourself is called "home ownership", not "investment". More than seven paragraphs are already "management", which is a capitalist's thing and is too far away from ordinary people.
Financial management is risky and investment needs to be cautious. In the face of financial management, we should be alert to financial management risks;
1, different product grades also have the risk of loss.
2. Wealth management products pursue high returns, but actual risks still exist.
3. Expected income is not actual income.
4. Read the investment contract in detail: when buying short-term wealth management products, you should not only ask about the product in detail, but also read the investment contract carefully, and the product income will be clearly stated in the contract.
Before entering the investment plan, it is suggested to pay attention to the following three issues:
1. Clear objectives
Carefully understand your current economic situation, including income level, controllable expenditure range, short-term (1-2 years), medium-term (3-5 years) or long-term (more than 5 years) what you want to see, and set a goal according to the conditions that can be judged. And once the goal is set, don't change it.
2. Clear the risk bottom line
Any investment is risky. What degree of loss are you willing to accept when you encounter disadvantages? This goal is defined to make decisive decisions when dealing with sudden risks.
Learn and cultivate interest.
The more you know about the projects you invest in, the better. Pay more attention to financial news, listen to expert opinions, learn to judge information and other people's opinions, and make choices according to your own situation. Don't follow the trend, it's dangerous to follow the trend.