Difference:
1. As the name implies, personal finance refers to establishing a reasonable personal finance plan according to the financial situation and participating in investment activities appropriately; Corporate financial management is to study the financial management (or financial management) behavior of enterprises represented by modern enterprises and companies under the conditions of market economy.
2. Banks or third-party financial institutions aim at different users. Personal financial products are small financial products sold to individuals, while corporate financial products are large financial products sold to enterprises.
Supplement: The company's wealth management products have various forms and rich contents, and the company can choose suitable products according to its own capital needs.
1 is an agreed deposit, and enterprises can sign agreements with banks. Whenever the balance in the company account exceeds the reserved amount, it can be automatically calculated according to the agreed deposit interest rate 1.3 1%;
2. Individual banks have also launched "cumulative" wealth management products for companies. If the enterprise works for 2 million yuan 1 day, it will get a profit of 1 15.07 yuan, which is 87.67 yuan more than the current interest and 30,000 yuan more than one year.
3. Companies can also choose some corporate structured wealth management products. According to customers' needs, there are usually two days, three days, seven days, 14 days, 2 1 day, 1 month, two months, three months, six months and nine months, and the interest will increase with the increase of the term.
In addition to the above-mentioned relatively stable wealth management products, banks have also launched linked wealth management products. Wealth management products that link the income of wealth management products with the trend of asset prices include commodity prices, stock performance and credit events, such as gold, exchange rates, stocks, oil, agricultural products, water resources and so on. This kind of wealth management products belong to structured wealth management products, and some of them are invested in financial derivatives. They can design different capital preservation ratios according to customers' needs, which has the characteristics of high income and high risk.
Finally, any investment is risky. Companies should pay special attention to the level of risk in the process of financial management, and don't cause problems in corporate capital turnover because sesame seeds lose watermelon.