I believe that there are a group of friends who can shake their heads and sigh compared with high housing prices, although their wages are not low at ordinary times. So I want to try to learn financial management, thinking about how to make a small sum of money through investment and financial management, and pay the down payment of the house first. Therefore, Bian Xiao specially arranged the relevant knowledge of the introduction of fund financing for everyone today. Want to know what is fund financing and how risky it is? Please look down.

What is fund financing?

A fund refers to a certain amount of funds set up for a certain purpose. Usually, the funds we talk about mainly refer to securities investment funds. Fund financing is also fund investment, which is an indirect way of securities investment. Fund management companies concentrate investors' funds by issuing fund shares, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers, and invest in financial instruments such as stocks and bonds, and then * * * bear investment risks and share expected returns. In layman's terms, what is fund financing? It is nothing more than an investment method in which investors subscribe for a certain share of funds and the fund management company is responsible for investing in securities such as stocks and bonds to achieve the purpose of maintaining and increasing value.

Is the risk of fund financing big?

In fact, any financial management is risky, but its risk changes with the nature and characteristics of the invested products and the fluctuation of market conditions. Generally speaking, the risks of fund financing can be divided into two categories: systematic risks and unsystematic risks. Systematic risks mainly include market risk, credit risk, liquidity risk, inflation risk and policy risk. These risks are uncontrollable, but the probability of encountering them is generally not high. Non-systematic risk often refers to the risk caused by management and operation technology. Generally speaking, the risk of fund financing is slightly higher than that of bank financing, but compared with other investment products such as stocks and futures, the risk is still relatively small.

Editor's note: To sum up, what is fund financing? In fact, it is an investment method to obtain the expected income of fund management companies through subscription and redemption. Compared with other investment and financial management methods, the risk of fund financial management is relatively low. All of the above are about "what is fund financing, and the risk of fund financing is big or not". Want to learn more about fund management? Welcome to continue to pay attention to the small financial column.