The differences between personal finance and corporate finance are as follows:

(1) The target is different. Investment is to put money into a certain channel or a certain product to achieve value-added, value-preserved and beyond value. Its purpose is to obtain profits, focusing on the liquidity and rate of return of funds. Financial management is not to make money, but to help people arrange their income and expenditure more reasonably, so as to achieve financial security and worry-free life, rather than simply pursuing the preservation of assets;

(2) The decision-making process is different. In the design and implementation of financial planning, we should not only consider the factors of market environment, but also consider various factors of individuals and families, including life goals, financial needs, assets and liabilities, income and expenditure, and even consider personal personality characteristics, risk preferences, investment characteristics, health status, etc. In investment decision-making, it is based on the judgment and grasp of market trends, mainly considering the rate of return, and rarely considering other personal needs;

(3) The results are different. Generally speaking, the result of investment is to gain income and realize the preservation and appreciation of assets, but it may also suffer certain losses because of risks. Financial management is to make our future life richer, our quality of life and our families healthier and happier under the current assets and income conditions;

(4) Different coverage. The investment channels of individuals and families mainly include all kinds of assets bought and sold in the financial market, such as buying real estate, automobile creditor's rights, bonds, stocks, funds, foreign exchange and futures, as well as assets bought and sold in the physical market, such as real estate, gold and silver jewelry, stamps, antiques, or industrial investments such as individual shops and small enterprises. The content of financial management is much richer, including all aspects of personal and family income and expenditure.

2. Legal basis: Article 16 of the Company Law of People's Republic of China (PRC).

The company's guarantee company's investment in other enterprises or providing guarantee for others shall be decided by the board of directors or the shareholders' meeting in accordance with the provisions of the company's articles of association; Where the articles of association stipulate limits on the total amount of investment or guarantee and the amount of individual investment or guarantee, it shall not exceed the prescribed limits.

2. What is the process of registering an investment and wealth management company?

1. Apply for pre-approval of enterprise name. Prepare corresponding materials to apply for the pre-approval of enterprise name from the name approval window of the Municipal Administration for Industry and Commerce or apply for the pre-approval of enterprise name according to the name approval window of the district administration for industry and commerce within the jurisdiction where the enterprise is located;

2. Apply for the business license of enterprise legal person. Prepare relevant materials to apply for establishment registration at the enterprise registration window of the Municipal Administration for Industry and Commerce or to apply for establishment registration at the enterprise registration window of the District Administration for Industry and Commerce within the jurisdiction where the business is located;

3. Apply for online seal. Prepare the corresponding materials and find a professional seal engraving company to apply to the Municipal Public Security Bureau for engraving online seals;

4. Apply for organization code certificate. Prepare corresponding materials to apply for organization code certificate from the Municipal Bureau of Quality and Technical Supervision or apply for organization code certificate from the District Bureau of Quality and Technical Supervision within the jurisdiction where the business is located;

5. Apply for tax registration certificate. Prepare the corresponding materials to apply for the national tax registration certificate from the provincial State Taxation Bureau and the Municipal Local Taxation Bureau, or apply for the national tax registration certificate from the district State Taxation Bureau and the Local Taxation Bureau within the jurisdiction where the business is located.