Saving is a kind of credit behavior, and credit has the characteristic of repaying principal and interest. The characteristics of saving principal and interest make it have obvious value preservation and profitability. When depositors deposit monetary funds in savings institutions such as banks, the first consideration is whether they can keep the principal and accumulate wealth. If you can't even keep the principal, depositors won't participate in saving. Therefore, the preservation of savings is the minimum requirement of depositors' savings and the basic feature of savings; Secondly, depositors deposit monetary funds in savings institutions such as banks, and after a period of time, they can not only get back the principal, but also bring interest, which is the basic requirement of credit behavior. The interest rate of savings directly affects the income level of savings.

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:

1, financial management is a lifelong treasure, 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).

Ping An Bank has launched a variety of wealth management products to meet the needs of investors. Different wealth management products have different expected returns, investment directions and risks, and can be divided into guaranteed wealth management and non-guaranteed wealth management according to whether they are guaranteed or not.

You can log in to Ping An Pocket Bank APP- Finance-Wealth Management, search for the name or code of wealth management products, and check the detailed product manual for understanding and purchase.

Response time: 2021-11-17. Please refer to the latest business changes announced by Ping An Bank in official website.