The word "financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal finance can be roughly divided into personal assets and personal liabilities.

* * * With funds, stocks, bonds, deposits, life insurance, gold and other personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.