Enterprise financial management is the financial management of enterprises, the management of the process of raising, putting in and distributing funds, and the asset management of enterprise cash flow. If the enterprise keeps too much cash for a long time, it will cause the capital to be unable to invest in turnover and make a profit. When enterprises need to expand production, it is difficult to obtain funds. Therefore, corporate financial management must generate income on the premise of security and liquidity. At present, more and more business owners begin to pay attention to the information of enterprise investment management.
Ensure the safety of funds and avoid the risk of funds.
At present, many companies have financing needs, so business owners may obtain funds through some financing channels, but they should pay attention to the cost of funds in this regard. If the financing cost is too high, the return on investment will be relatively reduced. It should be considered that the sudden occurrence of systemic risk and unsystematic risk will passively extend the financing period, thus increasing the financing cost.
Low capital cost and long financing period. This is a concern of business owners, but many business owners often ignore the second clause and underestimate the financing cycle. In many cases, the chain reaction is due to the increase in the cost of capital due to the expiration of the financing cycle.
Ensure the liquidity of funds and avoid the break of enterprise capital chain.
If the normal business activities of enterprises need very high frequency of capital in and out, then the products invested need to be flexible, and the purchase and redemption should be very fast. If this is the premise, money fund is undoubtedly a very good choice, which can not only have higher income than demand deposits, but also lose the liquidity of funds and avoid the break of enterprise capital chain. However, the rate of return of monetary funds is not high, which is suitable for enterprises with high requirements for capital access and quick deposit and quick cache.
Improve the efficiency of capital utilization and promote capital appreciation.
If the enterprise's funds can be used for medium and long-term investment without fast access, then the customized investment model of the enterprise can be carried out. It can use macro asset allocation strategy to invest, combine investment models, hunt different targets in the capital market, and choose investment targets through quantitative model analysis. The application of macro asset allocation model and quantitative trading strategy in capital market will be briefly introduced later.
Asset allocation model
Asset allocation strategy refers to the allocation of investment funds between different asset categories according to investment demand, usually between high-risk and high-yield products and low-risk and low-yield products. Through the quantitative financial model to calculate and combine, so as to achieve the purpose of obtaining income.
Asset allocation has different meanings at different levels. From the scope: it can be divided into global asset allocation, stock and bond asset allocation and industry-style asset allocation; From the perspective of time span and style category, it can be divided into strategic asset allocation, tactical asset allocation and mixed asset allocation;
From the characteristics of asset managers and the nature of investors:
It can be divided into buy-and-hold strategy, fixed portfolio strategy, portfolio insurance strategy and tactical asset allocation strategy.
Usually, investors' risk preference, liquidity demand and time span requirements, as well as actual investment restrictions, operating rules and tax issues need to be considered. For example, the money market fund mentioned earlier is often used as a short-term cash management tool by investors because of its good liquidity and low risk.
Asset allocation strategy is actively managed on the basis of different investors' risk tolerance, which has different characteristics and different performances in different market environment changes. At the same time, they put forward different market liquidity requirements for implementing this strategy. It depends on the specific situation, because the asset allocation model is flexible.
Quantitative trading model:
Quantitative trading model, quantitative investment and traditional investment are all based on the theory of market inefficiency or weak efficiency. The difference between the two is that quantitative investment emphasizes data and rigor. Using artificial intelligence and big data, quantitative trading has the following characteristics:
1 subject
Make decisions according to the running results of the model, not by feeling. Discipline can not only restrain human weaknesses such as greed, fear and luck, but also overcome cognitive bias and can be tracked.
Step 2 classify
The specific performance is "three more". First, a multi-level model, including asset allocation, industry selection and specific asset selection; Second, from multiple perspectives, the core idea of quantitative investment includes macro-cycle, market structure, valuation, growth, profit quality, analyst's profit forecast, market sentiment and so on; The third is multi-data, that is, the processing of massive data.
3. Arbitrage thought
Quantitative investment captures the opportunities brought by mispricing and mispricing through comprehensive and systematic scanning, so as to find out the valuation depression and make profits by buying undervalued assets and selling overvalued assets.
4. Probability wins
First, quantitative investment constantly digs out the expected repetitive laws from historical data and uses them; The second is to win by combining assets, not by a single asset.
Customize the investment model and asset allocation portfolio investment model for companies and enterprises in a professional way.
Therefore, the asset allocation model is a macro portfolio investment strategy, combined with scientific quantitative trading for investment. So as to truly make scientific investment, professional things can be done in a professional way.
From a professional point of view, Zhebang Investment is committed to helping investors and solving their investment problems. Zhebang Investment mainly provides exclusive one-stop investment management and asset management solutions for enterprises and high-net-worth customers. If you have any investment questions, please contact us at (02 1)6093637 1. We hope Zhebang Investment can help you solve your investment problems.
With these, enterprises can use the funds in the process of operation to get extra high returns. Realizing the continuous continuation of funds and the better inheritance of wealth is a high-end customized mode of enterprise investment and financial management, which is deeply loved by business owners.
Zhebang Investment wishes all investors and friends a smooth investment.