According to the statistics of Wang Zhongyin Data Center, the word "financial management" first appeared in the late 1990s.

With the expansion of the domestic stock and bond market, the enrichment of commercial banks and retail businesses and the increase of citizens' income, the concept of "financial management" has gradually become popular.

Personal wealth management can be roughly divided into personal assets and personal liabilities. * * * There are funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets. Personal housing mortgage loan and personal consumption credit belong to personal liabilities.

Extended information:

General wealth management products are as follows:

1. Bank time deposit

Risk level: 1.

The yield is 2%~3%. Generally speaking, it is safe to keep money in the bank for a fixed period of time. Therefore, the risk level of bank time deposits ranks first among many wealth management products, with the highest safety performance. Moreover, there is a national guarantee, and there is basically no loss risk for money deposit banks.

2. National debt

Risk level: 1.5

In short, if you lend money to the country and the China government issues it, the income is generally slightly higher than that of the bank. National guarantee, low risk and high safety performance. Unless the China government goes bankrupt, it is unlikely. When your deposit time is up, your principal and income will go into your pocket.

3. Monetary Fund

Risk level: Level 2

Generally, the annualized rate of return of money funds such as WeChat Qiantong, Yu 'ebao, cash treasure and Xiaojinku is 2%~3%, which is higher than bank deposits and can be withdrawn at any time, which is particularly convenient.