At present, all the bank's wealth management products do not promise to protect the capital, so BOC Wealth Management is definitely not a product that can protect the capital 100% every day. It is also clearly stated in the product manual of Bank of China that this product is an unsecured floating income product, which mainly invests in money market instruments and fixed income securities, including but not limited to deposits, certificates of deposit, pledged repo, national debt, credit bonds, securities investment funds and other financial instruments.
1, specific content. Financial management, as the name implies, is to manage finance. 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 the wealth of a person's life, that is, the cash flow and risk management of a person's life.
2. It contains the following meanings: ① 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, no matter whether you have money or not, everyone needs to manage money. ③ Financial management also includes risk management. Because there will be more uncertain flows in the future, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
3. financial management methods. Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies. Bank investment. The financial products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies do not belong to financial management. Financial management of securities companies generally includes securities income vouchers and asset management products. The financial management of insurance financing tends to be long-term, focusing on solving the education planning and pension planning after a long time, and at the same time solving the security problems such as accidents and medical care. Investment and financial management of investment companies and finance companies generally include trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. It needs high initial capital and is suitable for high-end financial talents. 2 1 century e-commerce financing, in addition to online financing at outlets, financial search engines on the internet can also be used to search for financial products and compare risks and benefits before investment.