Financial management is to preserve the value of one's existing assets through various means, and on the basis of preserving the value, to seek and further realize the value-added and finally realize the freedom of wealth. However, investment is only a means with risk management theory, and its goal is to increase income, but it faces the risk of possible loss. Online shop is a way of investment, operation and sales. It is to use the network to promote a certain product and service to earn remuneration, and it cannot be confused with financial management.