Investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, commodity spot, foreign exchange, real estate, insurance, gold, P2P, culture and art, so as to achieve the purpose of maintaining and increasing the value, thus accelerating the growth of assets.

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.

meaning

1, financial management is a lifetime wealth, not just to solve the problem of urgent need of money, but a sustainable cycle process.

2. Financial management is cash flow management. Everyone needs to use money (cash outflow) and make money to generate cash inflow when they are born, so everyone needs to manage money whether they have money or not.

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).