1. In the financial field, "RM" (risk-free rate of return) and "RM-RF" (market risk premium) are two important concepts to measure the risk and return of investment.
2.RM (risk-free interest rate): RM stands for risk-free interest rate, which is usually based on the interest rate of short-term government bonds or the yield of other investment instruments with extremely low risk. It represents the expected rate of return that can be obtained by risk-free investment. Risk and return are positively related, so RM is generally used as the benchmark for calculating risk premium.
3.RM-RF (market risk premium): RM-RF refers to the market risk premium, also known as the excess return of the stock market. It represents the extra return that investors are willing to get by taking market risks. RM-RF is calculated by comparing the average rate of return and the risk-free interest rate in the stock market. It measures the market risk premium level of stock investment.
The main positions of financial management are: financial manager, financial analyst, accounting manager, risk management specialist, financial planning and analyst, and tax manager.
1. financial manager: responsible for the management and guidance of the whole financial department, including budget preparation, financial report, risk management, investment decision, etc.
2. Financial analyst: analyze and forecast financial data, evaluate the feasibility of investment projects, and provide decision support and suggestions.
3. Accounting manager: responsible for the overall management and supervision of the company's accounting activities, including compliance with accounting standards, accounting treatment and preparation of financial statements.
4. Risk Management Specialist: Assess and manage the risks of the organization, formulate risk management strategies and measures, and ensure the safety of the company's assets and interests.
5. Financial planning and analyst: responsible for forecasting and planning the company's financial situation, and assisting in formulating financial objectives and development strategies.
6. Tax Manager: Responsible for the company's tax planning and declaration, ensuring compliance with tax laws and regulations, optimizing tax structure, and reducing tax risks and costs.