Routine 1: fuzzy spontaneity and consignment. (This is almost a rule, whether it is a big bank or a small bank, because financial managers and their business departments have performance appraisal, and in order to complete KPI, the moral bottom line will naturally be lowered. ) When banks buy wealth management products, wealth management managers often pay attention to publicizing the rate of return, emphasizing the endorsement of the bank's reputation, and are unlikely to take the initiative to tell whether this product is issued by the bank itself or on a consignment basis. These risk-related things are often deliberately concealed. For example, Xinyuan Fund, a fund product sold by a bank in Nanjing this year, lost more than 13%. However, the bank did not explain the risks to investors when selling, and even many investors did not know that the product was not the bank's own product. To put it bluntly, this fund product is only sold in the bank (helping others to sell), and the bank only takes the commission as a rebate according to the sales situation and does not bear the risk of the product. However, in Deception, for the sake of money, the bank only repeatedly emphasized "half-year absolute return 13%".

Routine 2: Financial management becomes insurance. In addition to spontaneous wealth management products, banks will also sell insurance, funds, brokerage plans, trust funds and so on. Many people have this experience. They used to buy wealth management to earn income, but the concept was confused by the wealth management manager, and the result became insurance inexplicably. When they regretted it, they found out that I had gone. What about my principal and income?

Routine 3: mysterious expected rate of return. When buying wealth management, you are most concerned about the rate of return, but there are actually many tricks for the rate of return. If you are not careful, you may be cheated.

Financial management:

Financial management is a Chinese word, pinyin is lǐ cái, and English is Financing, which refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.

Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.