There are two main reasons:

First, the profit margins of domestic entities are declining. The rate of return on financial management ultimately depends on the profit margin of the entity. Because the money to buy financial management will eventually enter the entity in the form of loans and equity. In the past three years, the industry return on net assets of most A-share listed companies has declined.

As the overall performance of listed companies declines, financial management income will naturally follow.

Second, the growth of the global economy has now slowed down. On the one hand, it is the aging of the population. On the other hand, there is a lack of new economic growth points. In addition, most currencies in the world are over-issuing. With more money and fewer assets to invest, it is normal for financial management income to decline.

In this context, everyone should no longer expect too high a rate of return, but should base it on the actual situation.

The word "financial management" first appeared in the early 1990s, according to statistics from Zhongyin.com Data Center. With the expansion of the domestic stock and bond market, the increasingly rich commercial banking and retail businesses, and the overall income of citizens rising year by year, the concept of "financial management" has gradually become popular. Personal financial management varieties can be roughly divided into personal asset varieties and personal liability varieties. Funds, stocks, bonds, deposits, life insurance, gold, online loans, etc. belong to personal asset varieties; while personal housing mortgage loans and personal consumer credit belong to personal asset varieties. It is a type of personal debt.

What is financial management

When most 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 the management of a lifetime's wealth, that is, the cash flow and risk management of an individual's lifetime. Contains the following meanings:

1. Financial management is a lifetime of financial management, not just solving urgent money problems.

2. Financial management is cash flow management. Everyone needs money (cash outflow) as soon as they are born, and they also need to make money to generate cash inflow. Therefore, no matter whether you have money or not, everyone needs to manage money.

3. Financial management also covers risk management. Because more future flows are uncertain, including personal risks, property risks and market risks, they will all affect cash inflows (risk of income interruption) or cash outflows (risk of increasing expenses).

Where to manage money

At present, the institutions in China that can provide customers with financial services mainly include banks, securities companies, investment companies, economic management companies, etc.

1. Bank financial management

Currently, the financial products provided by commercial banks in my country are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.

2. Securities company financial management

Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can according to their different needs and investment preferences Choose from different financial tools.

3. Investment company financial management

Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. It requires a relatively high starting capital and is suitable for high-end financial managers.

4. APP financial management

Currently, there are a series of APP financial management methods on mobile phones, with zero starting capital and suitable for all people.