According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 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. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
Financial management is a lifetime wealth, not just to solve the problem of urgent need for money.
2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
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).
At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.
1. Bank investment
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
4.APP financial management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people. The investment currencies of Everbright Bank Sunshine Finance An Cunbao and Commodity Everbright Bank Sunshine Finance An Cunbao are RMB, options, bonds and optimized asset allocation. They are mainly suitable for investing in financial derivatives, belonging to floating income structured wealth management products, which realize the diversification of investment risks. Originally known as Sunshine Finance A+ Plan, customers have a certain understanding of structured products. The income of structured wealth management products usually depends on fixed income products such as linked targets, exchange rates, zero coupon bond and financial derivatives (such as forward; A new financial product, which is composed of high-end customers and institutional customers, and is interchangeable. Those customers who are willing to meet their risk-return requirements and other personalized needs through bank customization give customers the opportunity to indirectly participate in global financial market investment. Is the use of financial engineering technology, its linked assets usually include interest rates, stocks and other basic assets to improve the return on investment.