When the small vault begins to calculate interest, it will settle the income every day. Generally, the income of the previous day will be settled at 0: 00 every day. However, the arrival time of income is not necessarily 0: 00, which is generally delayed, but it does not exceed 65438+ 05: 00 the next day.
According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
What is financial management?
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. Contains the following meanings:
1, financial management is a lifelong treasure, not just to solve the problem of urgent need for money.
2. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
3. Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
Where can I manage my money?
At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management 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.
3. Financial management of investment companies
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
4.APP financial management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.
How to manage money
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. [7]
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.
The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.