1, operational risk
Also known as business risk. Due to the production and operation of enterprises, the uncertainty brought to the expected operating income or pre-tax profit of enterprises can be divided into external reasons and internal reasons. The external factors of enterprises refer to the changes in the international and domestic macroeconomic situation and economic environment, the changes in market supply and demand and prices, and the adjustment of national fiscal and taxation policies, financial policies and industrial policies. The internal reasons of an enterprise refer to the changes in the quality of managers and the comprehensive quality of all employees, the changing trend of product image and market share, the leading degree of technology, the level of technology and equipment, the level of quality management and cost control measures, and the ability of an enterprise to cope with emergencies.
2. Financial risks
Also known as financing risk. Due to financing reasons, liabilities lead to the risk of repaying principal and interest. When an enterprise carries out debt financing, regardless of profit or loss, it must repay the creditor's principal and interest regularly in accordance with the contract or agreement. If the operating income of the enterprise is not enough to pay these principal and interest, it may lead to financial crisis and even bankruptcy in serious cases. The higher the capital profit rate, the lower the debt interest rate and the smaller the financial risk; On the contrary, when the interest rate of debt is greater than the profit rate of capital, debt will not only improve the net income of shareholders, but will become a heavy debt burden for enterprises. The total return on investment can be expressed by the following formula: First, professional financial analysts have a good attitude. Do you think the financial market is noisy? But analysts can still analyze the market quietly, so they won't be disturbed by others. Therefore, if you want to become a highly skilled financial analyst, you must learn to control your own mentality, and there will not be too many psychological changes when you make a single order in the future.
Secondly, accurate analysis comes from our collection and judgment. Whether a market can be done or not, we have to analyze it before, so how to analyze it? Analysts will query according to the data in the news, and can compare the previous data with the estimated value. In addition, it is necessary to find out the comments of some important people in the market on relevant news, and there will be a clear boundary after comprehensive analysis.
Besides, the order was made neatly. After analyzing a list, we can see that the point has reached the corresponding point. At this time, our investment analysts will not hesitate to enter the market and set corresponding parameters according to different points. Then investment and financial analysts will not have too much scruples when making orders, and they will not worry about whether they will lose money when they go in, like other investors. As long as you sit in the list and reach the corresponding point, you won't miss it and go straight out.
New financial investors should pay attention to the following points:
1, make good use of the financial budget, and don't use the funds necessary for life as capital-the psychological characteristics of gamblers: people who are suffering from losses, excesses and excessive tension should never use your living funds as the capital for trading. Excessive financial pressure will mislead your investment strategy, increase trading risk and lead to greater mistakes.
2, financial transactions can not rely solely on luck and intuition-psychological characteristics of gamblers who don't listen to advice If you don't have a fixed trading method, then your profit is likely to be very random, that is, by luck. This kind of profit cannot last long. People who don't know the basics can go to Global Gold Exchange to study.
3. Make good use of stop-loss orders to reduce risks-the courage and determination of military strategists: when the opportunity comes, take the shot.
4. Do what you can-economist's theory: understand fund management and give full play to the maximum benefit of funds; Seven skills of investment and financial management
Skill 1: bookkeeping
Tip 2: Live within your means.
Tip 3: Accumulate your original capital as soon as possible.
Tip 4: Don't pay all the expenses by credit card.
Tip 5: Don't invest blindly.
Tip 6: Please invest in yourself.
Tip 7: Insure yourself and protect your parents. Due to the immature development of third-party financial management in China, the supervision of third-party financial management institutions in China is still close to blank. There is neither a clear regulatory department nor a targeted regulatory system, and there are no regulatory rules.
Third-party financing belongs to a legal vacuum in definition and supervision. At present, most third-party financial institutions in the market operate in the name of "financial consulting companies", "investment consulting companies" or "wealth management centers", which are divided into two modes: one is to provide financial consulting only, and the other is to provide consulting and financial management on behalf of customers. Because there is no corresponding legal department or regulation to supervise the third-party financial institutions in China, Professor Huo from the School of Finance of Shanghai University of Finance and Economics said in an interview with the media that many private equity funds without legal status will manage their finances on behalf of third-party financial institutions.
Many third-party wealth management companies are not recognized by the regulatory authorities, which puts many formal companies in an embarrassing situation. As the saying goes, "a straight body is also afraid of a crooked shadow", so it is not surprising that formal companies are eager for supervision.
Moral hazard: information asymmetry is difficult to "neutral" disclosure mechanism needs to be improved
The advantage of the third party is independence, but this independence may just "look beautiful." Due to the limited professional knowledge, the trustee may not know all the information, that is, there is information asymmetry between the principal and the trustee. China Economic Net reporter consulted the definition given by Baidu: Information asymmetry refers to the behavior that one party engaged in economic activities does harm to others while maximizing its own utility.
He Ren, a teacher at Shanghai University of Finance and Economics, once said: "The trustee, that is, the third-party financial institution, is likely to use the advantages of professional technology and information to infringe on the interests of investors." If it is an organization that only provides financial planning advice, it is likely to go beyond its "neutrality" because of the involvement of interests. For third-party financial institutions that help customers manage assets, investors are more likely to suffer losses because of their poor investment ability. In addition, many financial institutions operate irregularly and lack the necessary regular information disclosure mechanism, so it is difficult to protect the interests of investors.
Investment risk: the uneven level of financial advisers has become a stumbling block to high interest rates.
Financial management is like panning for gold in the sand, which requires a pair of discerning eyes. For investors, a professional financial advisor is a sharp weapon for their own gold rush.
But in fact, the level of existing third-party financial institutions is uneven, and the professional ability of financial consultants is not satisfactory. Due to the low threshold of financial institutions and the lag of supervision, many fund managers and salespeople are also joining, resulting in uneven levels of financial consultants of third-party financial institutions and far different qualities of employees. Many people don't even have the qualification of financial advisor. And those financial management teams that can truly provide customers with global attention, long-term planning, details and professional and accurate investment and financial management services are rare.
To achieve high interest rates for investors requires professionals and intelligent teams, and the level of investment ability depends on the actual return on investment. Financial advisers who lack professional ability are deficient in risk control and product screening, which has become a stumbling block to the failure to pay investors' expected rate of return.
Although there are some risks in third-party financial management, it has become a trend for the newly rich to ask special "housekeepers" to take care of their wealth. I just want to remind investors that we must keep our eyes open on the road of financial management and minimize the risk in the process of easy financial management.
(a) the implementation of member access system. The website is managed by registered membership system. If you want to invest in a company, you must first register as a member of the website with your real name and provide the online bank account number of the registrant.