1. What are some interesting knowledge about finance?
1. Interest
The banker’s son asked his father: “Dad, the money in the bank is from customers and The depositor. How did you earn the house, the Mercedes-Benz and the yacht? "Banker: "Son, there is a piece of fat in the refrigerator." Son, bring it. "Put it back again." The son asked: "What do you mean?" The banker said: "Do you see oil on your fingers?"
2. Investment Banking
An investment banking rookie asked: "What is investment banking?" The senior took some rotten fruits and asked him: "How do you plan to sell these fruits?" The rookie thought for a long time and said: "I will sell them at a discount according to the market price." A senior shook his head, picked up a fruit knife, peeled and cut the rotten fruits into pieces, and made a beautiful fruit platter: "This way, we can sell it at dozens of times the price."
2. Are there any friends here who can share their experience in learning financial knowledge?
Gold, gold; finance, integration; finance - the integration of gold.
In ancient and modern times, gold has become the most ideal representative and store of economic value due to its indestructibility, high plasticity, relative scarcity, infinite divisibility, homogeneity and bright color. , one of the stabilizers and media of exchange, and therefore become the object of love and pursuit by the world. Finance refers to the financing of monetary funds, which can be divided into direct finance and indirect finance. The difference between these two methods of financial financing lies in the involvement of financial institutions. , if not, it is direct finance, if it is, it is indirect finance. Financial products refer to various carriers of economic value, such as cash, stocks, futures, etc.
For example, let’s say 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 for 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. Financial institutions refer to financial intermediaries engaged in the financial services industry and are part of the financial system. The financial services industry includes banks, securities , insurance, trust, fund and other industries. Correspondingly, financial intermediaries also include banks, securities companies, insurance companies, trust investment companies and fund management companies. Financial crisis refers to finance-related crises, that is, financial assets, Crises in financial markets or financial institutions, such as stock market crashes, bankruptcy of financial institutions, etc. Financial crises such as the above-mentioned cases occur from time to time at home and abroad.
However, depending on the market and country, if the individual crisis is not handled promptly and poorly, it can easily evolve into a systemic financial crisis. The global financial crisis caused by the United States is a perfect example.
Subprime mortgages are just a branch on the financial tree of the United States. Its break was not dealt with in time, causing the entire tree to almost collapse. The collapse of the entire tree in turn led to a global crisis. Financial Disasters Systemic financial crises are those that affect the entire financial system or even the entire economy, such as the U.S. financial crisis that triggered the Great Depression in the West in the 1930s, the Japanese financial crisis that led to Japan's economic malaise in the 1990s, and the one that hit Southeast Asia in the second half of 1997 The Asian financial crisis, etc.
3. What financial knowledge do you need to know?
In fact, when choosing short-term financial products, people only need to consider their actual situation and what they want. By choosing the characteristics of short-term financial management products, you can choose more suitable short-term financial management products.
The first thing you need to know is your risk-taking ability. Risk-taking ability should be judged according to the financial situation you have. If people do not need to use money for a long period of time, And if there are enough deposits, people's risk-taking ability is relatively high. In this case, you can choose short-term financial management products with slightly higher risks. Short-term financial management products with slightly higher risks can allow people to obtain Yields will also be higher. When choosing short-term financial management products, one thing that needs to be considered is how cyclical the product is. Financial financial products within three months are all short-term financial management products. People can decide to buy them based on their own fund usage. Short-term financial management products with long periodicity.
People themselves can also learn more about other short-term financial management knowledge, and learning more knowledge will have certain benefits for financial management.
4. What should I do if I want to improve my financial knowledge?
Don’t worry, sir. As time goes by and you come into contact with more people, you will understand it naturally. .
Of course, if you want to enrich this knowledge in the fastest way, you should usually read more financial books and watch more financial TV, especially the recent ones about finance. Breaking news, etc. If you don’t understand this, there’s nothing you can do.
The scope of finance is very broad. When you are discussing or talking about these issues with your clients, you might as well bring out the latest issues you have seen and discuss them with them. It can not only solve the embarrassing situation, but also make the other party interested in the problem. It has the best of both worlds, so why not do it.
When you meet the other person and talk about some areas that you are not good at, you might as well listen to his explanation carefully, and the other person will be very happy, because he has found someone who is willing to accept his new knowledge, and he will be very happy. Happy to discuss with you. Never pretend to understand something you don’t understand.
As for holidays or normal times, you must set a time to read books in this area. If you persist, you will find that your knowledge has increased a lot. Of course, the most important thing is to rely on your own efforts.
That’s all I’m saying, wishing you good luck in your work.
5. What is a summary of financial investment and financial management knowledge?
What is financial management? The so-called financial management is the process of rationally arranging the use of funds based on risk preference and tolerance and maximizing the value-added process. 2.
What are stocks? What are the characteristics of stocks? Stock certificates are certificates issued by a joint stock company that certify the shares held by shareholders. Characteristics: Uncertain returns, high liquidity, resistance to inflation, high risk, and high requirements for investors.
3. What are bonds? Bonds are securities issued by the issuer in accordance with legal procedures and agree to repay principal and interest within a certain period of time.
4. What are closed-end funds? A closed-end fund means that the sponsor of the fund limits the total amount of fund units to be issued when establishing the fund. Once this total amount is raised, the fund is declared established and closed, and will no longer accept new investments within a certain period of time.
5. What is an open-end fund? An open-end fund means that when the fund sponsor establishes the fund, the total number of fund units is not fixed, and additional units can be issued according to the needs of investors.
6. What is Portfolio Theory? Start by understanding investors' risk preferences and investment needs, establish investment goals, select investment channels in an all-round way, make reasonable investment decisions, reasonably allocate investor assets based on the pursuit of matching assets and liabilities, and then evaluate their performance.
7. What is real investment? Real investment is to use other people's money to make money for you, use other people's time to make money for you, use other people's wisdom to make money for you, and use sound investment to create eternal value.
8. What is a large savings deposit? Large deposits are a business that foreign banks have started very early. They are usually started to attract huge deposits. They are in the form of deposit certificates. The interest rate is directly negotiated between the depositor and the bank. The deposit is determined and compound interest is not included. The deposit certificate is not expired. It cannot be withdrawn in advance, and unless otherwise agreed, interest will still be paid at the original agreed rate in the event of an interest rate adjustment.
The deposit certificate is in the name, can be reported as lost, and the denomination is not fixed (this form is similar to an agreement deposit). 9.
What is a national debt? Treasury bonds are debt certificates issued to investors for the purpose of raising financial funds and promise to pay interest at a certain interest rate and within an agreed period and to repay the principal according to agreed conditions. 10.
What are the characteristics of bonds? Good security, higher returns than bank deposits, and stronger liquidity 11. What are financial bonds? Financial bonds refer to securities issued by banks and non-bank financial institutions in accordance with legal procedures and with an agreement to repay principal and interest within a certain period of time.
12. What are corporate bonds? Corporate bonds are issued by companies in accordance with legal procedures. What is the agreement? Securities with fixed term repayment of principal and interest.
It represents the creditor-debt relationship between the company issuing bonds and investors. 13.
What are your personal or family investment goals? Different people have different investment goals, but they can generally be summarized as follows: medical care or coping with unexpected events; accumulating retirement pensions; accumulating education reserves; purchasing real estate, cars, etc.; accumulating entrepreneurial funds; and covering current living expenses. 14.
How to determine the appropriate investment period? The length of the investment period reflects an investor's expectation of investment returns. Generally speaking, the shorter the investment period required to achieve investment goals, the higher the expected investment rate of return, and the higher the risk tolerance required.
6. What does financial knowledge include?
What are financial derivatives? What types does it include? Derivatives is the Chinese free translation of English (Derivatives).
Its original meaning is derivatives and derivatives. Financial derivatives usually refer to financial instruments derived from underlying assets (Underlying Asserts).
Since many financial derivatives transactions do not have corresponding accounts on the balance sheet, they are also called "off-balance sheet transactions (referred to as off-balance sheet transactions)". The most unique feature of financial derivatives is margin trading, that is, as long as a certain proportion of margin is paid, full transactions can be carried out without actual transfer of principal. The settlement of the contract is generally carried out by cash difference settlement. Only Only contracts that are performed by physical delivery on the maturity date require the buyer to pay the full amount of the loan.
Therefore, financial derivatives transactions have a leverage effect.
The lower the margin, the greater the leverage effect and the greater the risk.
There are many types of financial derivatives in the world. Active financial innovation activities continuously launch new derivative products.
Financial derivatives products mainly have the following classification methods (1) According to product form. It can be divided into four categories: forwards, futures, options and swaps.
Forward contracts and futures contracts are forms of transactions in which both parties agree to buy or sell a specific quantity and quality of assets at a specific time in the future at a specific price. A futures contract is a standardized contract formulated by a futures exchange, which stipulates the expiration date of the contract and the type, quantity, and quality of the assets traded.
A forward contract is a contract signed by the buyer and seller based on their special needs. Therefore, futures trading is more liquid and forward trading is less liquid.
A swap contract is a contract signed by two parties to exchange certain assets with each other in a certain period in the future. To be more precise, he said that a swap contract is a contract signed between parties to exchange cash flow (Cash Flow) that they believe has equal economic value within a certain period in the future.
The more common ones are interest rate swap contracts and currency swap contracts. If the exchange currencies specified in the swap contract are the same currency, it is an interest rate swap; if they are different currencies, it is a currency swap.
Options trading is the buying and selling of rights. An options contract stipulates the right to buy or sell a specific type, quantity, and quality of a native asset at a specific price at a specific time.
Options contracts include standardized contracts listed on exchanges and non-standardized contracts traded over the counter. (2) According to the original assets, they can be roughly divided into four categories, namely stocks, interest rates, exchange rates and commodities.
If further subdivided, the stock category includes specific stocks and stock indexes formed by stock combinations; the interest rate category can be further divided into short-term interest rates represented by short-term deposit rates and long-term bonds. The interest rate represents the long-term interest rate; the currency category includes the ratios between various currencies; the commodity category includes various bulk physical commodities. See Table 3-1 for details. Table 3-1 Classification objects of financial derivatives according to original assets | Original assets | Financial derivative product interest rates | Short-term deposits | Interest rate futures, interest rate forwards, interest rate options, interest rate swap contracts, etc. | Long-term bonds | Bond futures, bond option contracts and other stocks | Stocks | Stock futures, stock option contracts, etc. | Stock indices | Stock index futures, stock index option contracts and other currencies | Various types of spot exchange | Currency forwards, currency futures, currency options, currency swaps Futures contracts and other commodities | Various physical commodities | Commodity forwards, commodity futures, commodity options, commodity swap contracts, etc. (3) According to the trading method, it can be divided into on-site trading and over-the-counter trading.
On-exchange trading, also known as exchange trading, refers to a trading method in which all supply and demand parties are concentrated on the exchange for bidding transactions. This trading method has the characteristics that the exchange collects deposits from trading participants, and is also responsible for clearing and performance guarantee responsibilities.
In addition, since each investor has different needs, the exchange designs standardized financial contracts in advance, and investors choose the contract and quantity closest to their own needs for trading. All traders gather in one place for trading, which increases the density of transactions and generally creates a highly liquid market.
Futures trading and some standardized options contract trading belong to this trading method. OTC trading, also known as over-the-counter trading, refers to a trading method in which both parties to the transaction directly become counterparties.
This transaction method has many forms, and products with different contents can be designed according to the different needs of each user. At the same time, in order to meet the specific requirements of customers, financial institutions selling derivatives need to have superb financial technology and risk management capabilities.
OTC transactions continue to generate financial innovation. However, since the settlement of each transaction is carried out by both parties to the transaction, transaction participants are limited to customers with high creditworthiness.
Swaps and forwards are representative over-the-counter derivatives. According to statistics, among the positions of financial derivatives, classified by transaction form, forward trading has the largest position, accounting for 42% of the overall position, followed by swaps (27%), futures (18%) and options. (13%).
According to the classification of transaction objects, interest rate financial derivatives transactions represented by interest rate swaps, interest rate forward transactions, etc. account for the largest market share, accounting for 62%, followed by currency derivatives (37% ) and stock and commodity derivatives (1%). In the six years from 1989 to 1995, the size of the financial derivatives market expanded 5.7 times. The gap between various transaction forms and various transaction objects is not large, and the overall trend is expanding at a high speed.
7. What are the financial management knowledge to make money faster and more steadily?
First of all, there are many financial management knowledge to make money faster and more steadily, but for people, the most important knowledge is about Related information about various investment and financial management methods, including their risks and returns, their development status and future prospects, and a series of related knowledge.
In addition, before choosing a faster and more stable way to make money, people should fully consider their actual economic situation and not blindly pursue high-yield methods. Because there are huge risks hidden behind many high-yield financial management methods, people should reasonably arrange their investment structure according to their actual situation, minimize investment risks, and maximize financial management returns.
Of course, it is relatively simple for people to obtain financial management knowledge on how to make money quickly. People can go to some professional and formal financial management websites to learn some financial management skills, and they can also refer to some related books on financial management knowledge. , In addition, people can also seek financial management experience from some experienced senior financial managers. All in all, these are very effective ways to gain financial knowledge on how to make money quickly.