Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.
Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.
"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.
First, domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
1. Bank investment
The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.
2. Financial management of securities companies
Securities financing generally includes securities income certificates, asset management products and so on.
3. Insurance financing
Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.
4. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.
5. E-commerce financial management
2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.
Lifelong expenses include the living expenses of individuals and families from birth to death, as well as the financial expenses arising from investment and application for credit. Some people have expenses and families have burdens. The main purpose of making money is to meet personal and family expenses. Including: living expenses: including family expenses such as food, clothing, housing, entertainment and medical care. Financial expenses: including loan interest expenses, guarantee insurance expenses, investment formalities expenses, etc.
Borrow money when cash income cannot cover cash expenditure. The reason for borrowing money may be that you can't make ends meet temporarily, and you can buy real estate or automobile appliances that can be used for a long time to expand credit investment.
If the loan is not repaid immediately, it will accumulate into liabilities and pay interest according to the balance of the liabilities. Therefore, before the loan is paid off, in addition to living expenses, there will be amortization expenses of financial principal interest.
Including:
1. Consumer liabilities, such as credit card revolving credit, cash card balance, installment payment, etc.
2. Investment liabilities, such as margin for margin financing and securities lending, borrow money to invest with financial leverage.
3. Self-use assets and liabilities, such as housing loans and auto loans required for purchasing self-use assets.
The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.
The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.