Financial management refers to the financial (property and debt) management for the purpose of maintaining and increasing the value of property.
Financial management is divided into enterprise financial management, institutional financial management, personal and family financial management, etc. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.
Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
1. Bank wealth management: The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financing of securities companies: Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Investment company financing: Investment company financing generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party financing, etc. It needs high start-up capital and is suitable for high-end wealth managers.
4. E-commerce financial management: In addition to online financial management, you can also use financial search engines to search for financial products on the Internet, and compare the risks and benefits before investing.
(1) Earning money-lifetime income includes work income generated by using personal resources and financial income generated by using monetary resources; Work income is to make money with people, and wealth management income is to make money with money. Therefore, the scope of financial management is wider than making money and investing. Including: ① Work income: including salary, commission, work bonus, self-operated income, etc. ② Financial income: including interest income, rental income, dividends, capital gains, etc. (2) Spending money-spending a lifetime includes the living expenses of individuals and families from birth to the end of their lives, as well as the financial expenses generated by investment and credit utilization. Some people have expenses and families have burdens. The main purpose of making money is to meet personal and family expenses. Including: living expenses: including family expenses such as food, clothing, housing, entertainment and medical care. Financial expenses: including loan interest expenses, guarantee insurance expenses, investment formalities expenses, etc. (3) Saving money-savings will be generated when the current income of assets exceeds the expenditure. The accumulated savings in each period are assets, that is, the principal that can help you roll money to generate investment income. In old age, when people's resources can't continue to work to generate income, they must rely on monetary resources to generate financial income or realize assets to meet the needs of the elderly. Including: ① emergency reserve: keep a sum of cash in case of unemployment or emergency. ② Investment: portfolio of investment tools that can be used to generate wealth management income. (3) Purchase of property: purchase of assets that provide use value, such as houses and cars for personal use.