ICBC Elite Account Card is a wealth management card issued by ICBC for high-end bank customers. It is a debit card among UnionPay Platinum Cards.
Investment and financial management means that investors use savings, bank financial products, bonds, funds, stocks, futures, spot commodities, foreign exchange, real estate, insurance, gold, P2P, culture, and art through reasonable arrangements of funds. and other investment and financial management tools to manage and allocate the assets of individuals, families, businesses, and institutions to maintain and increase value, thereby accelerating the growth of assets.
1. The term "investment and financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the increasing abundance of commercial banks and retail businesses, and the overall income of citizens increasing year by year, the concept of "financial management" is becoming popular. Investment and financial management tools mainly include savings, insurance, stocks, funds, foreign exchange, gold, collectibles and investment trusts. The knowledge of investment and financial management mainly involves finance, accounting, economics, investment, finance, taxation, and law. Investment and financial management have two main goals, one is financial security and the other is financial freedom. Financial security is the foundation, and financial freedom is the goal. From another perspective, investment and financial management have two directions, one is offensive and the other is defensive.
2. Investment and financial management refers to the use of investment and financial management knowledge and tools to carry out comprehensive, comprehensive, holistic, personalized, professional, dynamic and long-term financial services based on customer needs. The contents of investment and financial management include cash planning, consumer spending planning, education planning, risk management and insurance planning, tax planning, investment planning, retirement planning, property distribution planning, etc. Investors who want to invest and manage finance need to open a corresponding investment and finance account first. In order to prevent investors from falling into misunderstandings about investment and financial management, resulting in property and mental losses, investors should go to formal financial institutions that comply with national regulatory requirements when opening investment and financial management accounts such as savings, insurance, stocks, bonds, foreign exchange, futures, gold, etc.
3. China’s financial institutions are mainly divided into three parts: banks, insurance and securities. However, from the perspective of investment and financial management channels, securities companies can provide investors with more investment and financial management channels and apply for more types of investment and financial management accounts. Some financial instruments (such as bonds) can also be opened through various channels (banks or securities companies) to open investment and financial management accounts.