The US subprime mortgage crisis triggered the global financial crisis. The stock market plummeted, and the foreign exchange market, real estate market, gold, crude oil and other markets experienced rare violent fluctuations. Not only ordinary investors, but also some professionals have suffered unprecedented losses in this crisis. Facing the global financial crisis, do individual investors need to adjust their investment strategies? In the face of this crisis, do enterprises need to change their business strategies? In order to answer these questions, from this week, Win Weekly will launch a series of reports on "Financial Tsunami Response Raiders" to provide readers with ways to survive in the financial crisis from various angles. Entrepreneurship: How should small investors start their own businesses in the face of the financial crisis? Yu Sha, a doctor of economics at Sichuan University, said that under the impact of the financial crisis, entrepreneurship must target the mass consumer industry. Yu Sha said: "Only when the market is big can we succeed. At any time, the basic consumer market is the most reliable. " In addition, Yu Sha believes that to choose an industry with fast cash flow, sufficient cash flow can at least guarantee survival. Yu Sha also said that for entrepreneurs, we must first organize entrepreneurial teams with complementary personalities and abilities. A company without a right-hand man cannot survive in the process of starting a business. Secondly, in the period of market turmoil, the scale should not be too large. Don't do what you can't do first, foster strengths and avoid weaknesses, and use the longboard theory. Gold price: Now is not the best time to invest in gold. Recently, the international gold price has plummeted. The international spot gold price fell below $700/oz last week. Both 99.95 gold and 99.99 gold on the Shanghai Gold Exchange, which represent the gold price level of domestic raw materials, fell below the 170 yuan/gram mark. In just 10 trading day, the international gold price fell by more than 20%. Analysts of Gaosaier Gold Company said that at present, the gold investment varieties that Chengdu investors can participate in include physical gold and paper gold. Generally speaking, working families can properly allocate physical gold assets, accounting for about 10% of total assets. "Gold is not a windfall investment", experts remind that it is not the best time to invest in gold at present, so it is better to wait and see. Investors should pay close attention to the trend of gold prices and wait for the decline of gold prices to stop. Lin Yuhui, a mid-term futures analyst, believes that gold will fluctuate greatly with the changes in the international financial situation, and investors with no investment experience had better not speculate in gold futures. Collection: Caution is better. Judging from the recent autumn auction of artworks held in Chengdu, the whole art market is getting colder. Many investors believe that the turmoil in the global financial market is the main reason for the downturn in Chengdu art market this year. Mr. Liu, who invested in galleries, said that many galleries in Chengdu have closed down one after another, and some investors' funds are locked in the stock market and the property market, so it is difficult to invest a lot of money in the art investment market. Ming Ding, a connoisseur of collections, pointed out that the price of artworks is currently at a low point, which may be a good opportunity for investors to take over. Especially ancient paintings and calligraphy, should be the first choice for art investors. But at the same time, Ming Ding reminded investors that since the art market is relatively depressed, investors should beware that it is difficult to appreciate and realize the value in a short time after purchasing the collection. Financial management: The impact and influence of the global financial crisis on the "cold winter" of the financial product market has not completely ended. In the case that the market cannot be seen through in a short time, "it can be said that the most important thing in financial management this year is to protect the capital." Financial analysts at Ke Hua North Road Sub-branch of China Merchants Bank believe that investors should choose some financial management methods with the function of "hedging" under the current uncertain economic prospects. For example, money market funds, national debt, bond funds and so on. In the opinion of analysts, as ordinary investors, it is forbidden to invest in overseas financial markets in the near future. If the financial management skills are average, it is best not to focus on how to make money, but to pragmatically reduce the interest expenses on loans such as housing and automobiles. This is also a clever financial management method in the turbulent market. The most important thing in family finance is to hold cash. Once the opportunity arises, you will have the funds to seize it. Recently, the reporter learned from many commercial banks in Chengdu that the number of customers who go to banks for time deposits has increased significantly. The insiders believe that it is a wise choice to deposit deposits on a regular basis when the interest rate cut cycle has started. Many citizens also said that the expected rate of return on wealth management products is not as high as last year. Buying wealth management products now mainly focuses on whether the products are guaranteed, and then choose some products with relatively high returns on this basis. Foreign exchange speculation: short-term foreign exchange financing It is understood that many families and individuals in Chengdu still hold a certain proportion of foreign exchange assets, most of which are invested in foreign exchange financing. Bank financial experts said that the current international market turmoil has intensified and exchange rate risks have increased, so short-term products should be selected for foreign exchange financing. The reporter learned from a number of banks in Chengdu that due to the financial crisis and the interest rate reduction policies of many countries, the expected income of new foreign exchange wealth management products currently being sold by banks has dropped significantly. According to statistics, compared with two or three months ago, the expected income of some wealth management products is halved at most, and the investment period of the latest products is also significantly shortened. Everbright Bank's US dollar investment and wealth management products "Tongsheng 2 1" and China Construction Bank Huideying 09' s foreign currency wealth management products "6 months Australian dollar wealth management" even terminated ahead of schedule. In addition, the foreign exchange analyst of China Industrial and Commercial Bank of China Sichuan Branch stressed that foreign exchange investors should pay close attention to exchange rate changes in time. For example, in the first half of this year, many citizens chose Australian dollars for financial management. At present, the continued weakness of the Australian dollar has already appeared. "When buying foreign exchange wealth management, you should try to avoid products with obvious recent downward trend."