Generally speaking, financial interest is financial income, and the calculation formula is: income = (principal × yield ÷365)× product period. If you buy a 50,000 wealth management product in the bank, the annualized interest rate of the wealth management product is 4.5% and the wealth management period is 30 days. Then your income is (50000×4.5%÷365)×30= 185 yuan.

In most cases, the principal and income will be returned to the customer account about 3 working days after the financial management expires.

Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.

Financial management can be divided into corporate financial management, institutional financial management, personal financial management and family financial management. Financing channels include bank financing, securities company financing, insurance financing and investment company financing. And investment channels include speculation, funds and stocks.

Basic explanation

Financial management (or financing) refers to the management of finance (property and debt) and property for the purpose of maintaining and increasing the value of property.

Citation interpretation

Manage property.

"Under the Yi copula": "Financial management is right, and it is not right to ban people." Kong Ying Da's book: "It is said that saints manage their finances in moderation."

"On the Latent Husband" in the Palace of Han Dynasty: "The first king was in charge of money, and the people were forbidden to do wrong."

Song Ceng Gong's Reconsideration of Funds: "Your Majesty said that the minister said that saving money is the key to financial management, and the words of the world are not the case."

Chapters 3 and 3 of Legend of Heroes of Children: "I think the way to manage money is probably nothing more than' there are more people living and fewer people eating; The reason why people are sick and the reason why people are comfortable. "

In the Qing Dynasty, Li's Officialdom Appears: This man is really talented as an official, and he is really a good financial manager.

Mao Dun's Hometown Miscellaneous Notes: "This clever' Uncle Ya' knows the method of' financial management'."

Specific content

Financial management, as its name implies, refers to financial management. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is a lifetime wealth, not just to solve the problem of urgent need for money.

2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage money.

③ Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).