Financial products refer to various carriers of economic value, such as cash, stocks, futures, etc. For example, we say that Zhang San is very rich, but he spent 3 million yuan to buy stocks, and now the market value of these stocks is less than 1 million. From this example, we see that value is transformed and exists in different carriers. Except in rare cases, such as gold bars, gold bricks, etc., this carrier often exists in the form of non-physical securities, so it is also called a financial asset. In addition, because financial products can be used to make profits, they are also called financial instruments. The above Zhang San used money to buy stocks because he wanted to use stocks as a financial tool to make money.