5 thoughts on “Is financial management making money?”
Mae
Financial [lǐ cái]
This (Financial ) refers to the management of finance (property and debt) to achieve property preservation and value -added. Financial management is divided into company wealth management, institutional financial management, individual and family financial management. Human life is inseparable from the material foundation, which is closely related to financial management. "Financial Management" is often used with "investment and financial management", because "financial management" has investment, and "investment" has financial management. 1 Make money in the range-income It lifetime income includes the work income generated by personal resources, and the wealth management income generated by the use of money resources; the work income is to make money by people, and the wealth management income is to make money by money.
2. Wealth management income: Including interest income, rental income, dividend, capital gain, etc. Calling money-expenditure It lifetime expenditure includes personal and family life expenditures from birth to ending, and financial expenditures generated by investment and credit use. Some people have expenditures, and they have a burden. The main purpose of making money is to pay the expenses of individuals and families. Including: Life expenditure: including family expenses such as clothing, food, daily, and medical treatment. Financial expenditure: including loan interest expenditure, guarantee insurance premium expenditure, investment procedures expenditure, etc. Sdent money The current income will be generated when the income exceeds expenditure, and the savings accumulated in each period are assets, that is, the principal that can help you get money and generate investment income. When the resources of the person cannot continue to work when they are old, they must rely on the resources of money to generate wealth management income or realize assets to support their old age. Including:
1. Emergency reserve: retain a cash to prepare for unemployment or from time to time.
2. Investment: Investment tool portfolio that can be used to breed wealth management income.
3. Production: Buy self -use houses, self -use vehicles, etc. provide assets using value. borrowing money-liabilities Is to borrow money when cash income cannot pay cash expenditure. The reason for borrowing money may be temporarily incompetent, purchasing real estate or automotive appliances that can be used for a long time, and investing in credit. If you do n’t pay the money immediately, you will accumulate the liabilities to pay interest according to the liability balance. Therefore, before the loan is paid off, the expenditure of each period is in addition to living consumption, and the financial principal interest stalls are paid. Including:
1. Consumer liabilities: such as credit card recycling credit, cash card balance, installment payment, etc.
2. Investment liabilities: such as borrowing money for margin margin margin, borrowing money for financial leverage.
3. Self -use asset liabilities: If you purchase a house loan and car loan required for self -use assets. Save money-save In modern society, not all income can be used to pay for expenditure. Taxation, so how to legally save income tax in cash flow planning, how to legally save gift tax or inheritance tax in the property transfer plan has also become an important part of financial management. High -income individuals have become the primary consideration of financial management. Including:
1. Income taxation plan;
2. Property taxation planning plan;
3. Property transfer taxation planning (mostly used in this item); The focus of money-guarantee The focus of money protection is risk management. Fortune
The consumer cake chart production is protected, or you can get financial management to make up for the loss when loss. In order to occur, when the accident causes the family's cash income to be unable to pay the expenditure at that time or later, there is still a sum of money or income to make up for the gap and reduce the impact caused by unexpected income and expenditure during the life journey. In order to obtain a life insurance and property insurance guarantee that compensate for people or property losses, a certain ratio of premiums must be paid. Once the insurance accident occurs, the financial income generated by the claims can replace the interrupted work income to cope with the living expenditure of the family or survivors. Or pay the liabilities with claims to reduce the expenditure of financial interest. In addition, trust arrangements can independent the trust property outside other private property, and are not pursued by the creditors, and have the function of protecting existing property from loss. Including:
1. Life Insurance: Life Insurance, Medical Insurance, accident insurance, disability insurance, pension insurance.
2. Product insurance: fire insurance, liability insurance.
3. Trust
4., Fund fixed investment 2 interpretation n core meaning In the process, the smooth cash flow and the improvement of wealth can be achieved. Financial planning and management research originated from the United States, and is generally divided into personal (family) financial planning and company financial planning. Family financial management also includes financial education for children.
"Yi · Fairy": "Financial management is righteous, the banned people are not right." Kong Yingda Shu: "The saints govern their wealth and use it." , Forbidden people and wrong. "Song Zeng Gong's" Recommended Funds ":" His Majesty said that the ministers said, using festivals as the essentials of financial management, and the saying of wealth management in the world. " Three or three times: "I want the way of financial management, which is about the truth of the people who live, and the people who eat; This smart 'Master Grandma "knows the' financial management 'method." Professional connotation I. The term "financial management" was first seen in the early 1990s. With the expansion of the Chinese stock bond market, the increasingly abundant commercial banks and retail businesses and the overall income of citizens have increased year by year, the concept of "financial management" has gradually become popular. Personal wealth management varieties can be roughly divided into personal asset varieties and personal debt varieties. Common funds, stocks, bonds, deposits, life insurance, gold, etc. are personal assets; and personal housing mortgage loans and personal consumer credit are personal debt varieties.
. What is financial management?
The people talk about financial management, and they think of whether they are investing or making money. In fact, the scope of financial management is very wide. Financial management is the wealth of life, that is, the cash flow and risk management of the individual's life. Including the following meanings:
① Financial management is the wealth of life, not just to solve the urgent money problem.
② Financial management is cash flow management. Everyone needs money (cash out of cash out) as soon as everyone is born, and it also needs to make money to generate cash flow. Therefore, no matter whether they have money, everyone needs financial management.
③ financial management also covers risk management. Because more traffic in the future is uncertain, including personal risks, property risks, and market risks, it will affect cash inflows (income interruption risks) or cash outflows (cost increasing risks).
. Where to wealth management
The institutions that can provide customers with financial services in China are mainly banks, securities companies, and investment companies.
1. Banking wealth management
The wealth management products provided by commercial banks in my country are divided into fixed income products, capital protection floating income products and non -guaranteed floating income Product three categories.
2. Securities company wealth management
If securities wealth management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Those can choose different financial tools according to their different needs and investment preferences.
3. Investment company's wealth management
If investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, third -party wealth management, etc. The required starting funds are high, suitable for high -end financial management people.
4. E -commerce wealth management
21st century, in addition to offline outlets of wealth management, you can also use the financial search engine search wealth management products on the Internet for wealth management products Various comparison of risk returns will be invested afterwards.
. How to finance
Generally speaking, the wealth management account opened by the bank can handle savings products and bank wealth management products and fund products, and large banks can also be purchased through the banking system. Due to the wide distribution of bank outlets, the investment and wealth management accounts opened by bank channels can be handled at the bank counter.
The financial accounts opened by securities companies can be used for stocks (including A shares, B shares, H shares, etc.), bonds (including national bonds, corporate bonds, corporate bonds, etc.), futures (futures, etc.) Including financial futures such as stock index futures, foreign exchange futures, etc., commodity futures, such as gold futures, agricultural futures, etc.), such as investment financial tools. The opening of the securities account can be handled at the business department of each securities company and needs to be handled within the trading date.
The procedures for investment companies are relatively convenient. Generally, you only need to provide your ID card and bank card copy. Investment companies will also customize exclusive financial planning for customers.
. The level of financial management
The first layer is effective and reasonable to handle and use money, so that your money costs the most to play the greatest player. The effect to meet the purpose of daily life to maximize the needs.
It the second layer is to invest with surplus money to generate the best financial income, that is, the level of money to produce money.
The third layer is to plan life from a financial perspective. Use existing economic and financial conditions to maximize the value of human resources and prepare for future development. 3 Plan Step 1. Looking back on your asset status
The expectations of existing assets and future income. The most basic premise.
2. Set financial management goals
Essence
3. Clarify the type of risk
do not consider the hypothesis that does not consider any objective situation In the stock market, he did not consider parents and children, and did not consider family responsibilities. At this time, his risk appetite deviated from the scope he could bear.
4. Asset allocation strategies
In asset allocation in all assets, then the choice of investment varieties, investment timing, and values value. Essence Core is the process of matching assets and liabilities. Assets are the ability of previous stock assets and income, that is, future assets. Liabilities are family responsibilities. They must support their parents and raise their children for him to go to school. The second is the goal, and the goal has also become our liabilities. We must have a high -quality life and make your assets and liabilities dynamically match. This is the core concept of personal financial management. 4 Note that the content The wealth management investment is also risky. Novices can take a look at the following suggestions to control the risk:
: Investors are not agents, Do not enter the field random, otherwise you will only earn more.
: Be sure to achieve a target price in your heart, not in your heart without a price.
Third: Be sure to set the stop loss point to reach the stop loss point, speed stop loss, leave the field.
Fourth: Do not put the zoom in the ratio of leverage too much.
Fifth: Before entering the market, make more analysis, look at the news on both sides and look at the charts; after entering the market, keep in touch with the market. Look at the news that is beneficial to yourself. As soon as the wind blows the grass, immediately liquidates.
Sixth: Do not be stubborn. Sometimes it depends on the wind to make the rudder. Do not be old -fashioned. Wanlian markets are attributed to the city, which means that sometimes good news enters the market, and the city not only did not do well, but declined, that is, your previous analysis is wrong. Please make a decisive time. Don't be old -fashioned. If you are a novice for wealth management, you can go to Global Jinhui to apply for a foreign exchange simulation account and experience the basic steps of simulating foreign exchange under the . Slowly you will learn it, and finally you can learn more about wealth management. Knowledge. Recommended: P2P borrowing is the abbreviation of Peer to Peer Lending. Peer means personal. The formal Chinese translation is "Renren Loan". It is a business model that gathers funds that gathers very small quotas . P2P Credit Service Company is a "market version" for private lending. It refers to individuals with funds to open up and have financial investment ideas, pass This through credit intermediary agencies to bridge, use credit loans to loan funds to other people with loans. In addition to paying interest, the borrower also needs to pay a certain agency fee to the company. The online loan platform is an emerging stage in China. It has just begun, and beware of being deceived! Now lacks the protection of laws and regulations, the rights and interests of wealth management people are difficult to protect. Id you to recommend a few articles about being deceived! Learning more, this industry can only have high returns after a painful struggle! In my country's credit market, regular financial institutions have long occupied the dominant position. Due to the cumbersome procedures, high costs, low income, and greater risks to small micro -enterprises, financial institutions are generally hot r generally The is sincere to lend to large enterprises. In the context of the continuous tightening of silver root, the increasingly severe inflation situation, the loan of small and medium -sized enterprises is difficult to loan, at the same time, a large number of private capital has been accumulated, and the investment channels are narrow. Essence At the same time, the global wave of informationization has spawned a new form of private lending -the emergence of the P2P network lending platform. In 2006, my country established the first P2P lending , and since then, it has shown a booming trend and promoted the prosperity of civil loan. *The risk of rhythm also hinders its development of one to a certain extent. Recently, the occurrence of Antai's excellent closure, Youyi Loan's suspected fraud, and other incidents, pushed P2P online loans to the cusp.
. The issue of the issue of the P2P network lending platform
On August 23, 2011, the General Office of the China Banking Regulatory Commission issued the "Notice of the General Office of the China Banking Regulatory Commission on the risk of Renren's loan risk ", Revealing the seven risks of everyone's loan intermediary services. Risk -loan, that is, the risk of the P2P network loan platform has increasingly attracted people's attention.
p2p (Peer-TO-Peer) network loan platform, referred to as "Renren Loan", that is, not through financial institutions such as banks, but to realize personal loan network platforms through the Internet.
P2P network lending platform is the product of private loan information. On the one hand, more and more folk leisure funds cannot seek effective investment paths; on the other hand, in the era of rapid development of computer technology, comprehensive networking , and information, the Internet has greatly improved the speed of information dissemination. And extended the coverage of information. Folk Loan Network Platform -P2P network loan platform has emerged by informatized Dongfeng. P2P network The lending platform uses information technology to rely on the network platform to provide the docking of loan information, unlimitedly enlarged the customer base, and break the original "face -to -face" borrowing model. The lending process such as loan.
. The main performance of the legal risks of the P2P network lending platform
The domestic P2P network loan industry has developed rapidly and has formed a certain scale. However, while the online loan platform has emerged endlessly, it also exposes the defects of its platform itself and the legal environment. [1]
(1) The borrower's personal credit risk is relatively large
At present, the P2P network lending platform is mainly based on the identity provided by the borrower. Certificate, property certificate, payment record, acquaintance evaluation and other information evaluation borrower's credit. On the one hand, this proof information is easy to fake, providing an error basis for credit evaluation; on the other hand, even if it is a real proof material, there is also one -sidedness. Objective credit evaluation.
(2) Improper operation mode is easy to step on the red line of "illegal fundraising"
At present, some of the creditor's right transfer mode used by some P2P network lending platforms has attracted everyone's widespread attention and In warm discussion, Ms. Wu Xiaoling, deputy director of the Finance and Economics Committee of the National People's Congress, said that the operations of some P2P network lending platforms have the shadow of illegal fundraising and must beware of risks.
The debt transfer model adopted by some platforms is to conduct debt transfer activities through personal accounts, making the platform a hub of capital exchanges, not the pure intermediary of both parties to the borrowing parties. The transfer of claims is to reorganize the claims to the lenders through the dual segmentation of the term and amount, and its essence is asset securitization. This model is easily identified as a large, smate to absorb funds from unspecified financial management people, which is very similar to "illegal absorption of public deposits".
(3) The source of funds is difficult to review
P2P online borrowing funds from the borrowers who hold idle funds. These funds generally come from legitimate channels. However, the illegality of its source cannot be ruled out. At the same time, the P2P network loan platform often lacks the means of review of the source of funds. Therefore, these network platforms have the risk of money laundering tools or engaged in usury.
(4) The safety of precipitated funds is low
P2P network loan platform involves a large amount of capital transactions. Since the loan funds are not instantly entered the account of both borrowers, they will generate path of capital funds. Essence The huge amount of funds is controlled by the loan website. If the website opens a third -party account to issue a loan on behalf of the loan, if the internal control program is invalid, the website staff is negligible or used by people, it is very very useful. It is prone to illegal misappropriation of funds and illegal fund -raising internal personnel illegal illegal crimes.
(5) The use of funds after loan is difficult to supervise
After the funds are loan, how to ensure the use of funds in accordance with the promised use instead of the loan after the illegal crime activities and other loans The issue of fund tracking does not have a complete laws and regulations. Article 13 of the "Supreme People's Court on the People's Court The opinions of the Court of Court of the Court of Court" stipulates: "In the borrowing relationship, people who only have contact, the person who introduces the role, and shall not bear the responsibility." Therefore, the borrower should be the borrower When you cannot pay interest on time on time, the website is only The role of the recovery person, and if the amount of a small amount of small loans is small, the cost of recovery is difficult to make up.
(6) The financial privacy rights of both borrowing cannot effectively protect
p2p lending website to provide a platform for borrowing information to the borrowing. General websites require borrowers to provide personal identity and property information. On the one hand, they provide the lender to provide the credentials of the borrower, and on the other hand, are also used as a basis for credit evaluation. If the confidentiality technology of the website is cracked, the personal identity and property information provided by the borrower to the website will be leaked, and the privacy of the borrower cannot be effectively protected.
-serving the granular loan service wholeheartedly —
Each person's income can basically be distinguished by labor income and asset income. The main source of income of most people is labor income, that is, the basic labor remuneration obtained in the company's work, asset income income requires a certain amount of original capital accumulation, and puts the income from labor revenue into the stock market, buying wealth management, funds, etc. Both benefits can be simply referred to as asset income.
. The expenditure of each person can basically be summarized from five aspects of clothing, food, housing, and five aspects. , Traveling, etc.) to distinguish.
If office workers to make financial management, it should be the remaining part of the income to reduce the fixed cost and after leaving the current plan for the current plan. I usually configure this part of the funds for personal financial management.
1, living money management, that is, the money that may be used at any time in daily life. This part of money is mainly used to cope with daily expenses or accidents, and can also perform long -term investment increase operations at appropriate time. This part of money mainly considers the liquidity of funds. At present, the best configuration direction is a currency fund. The most common currency fund is Yu'ebao, but at present, the annualized yield of Yu'ebao is only about 2.1%. The currency funds with a highly stable yields I personally hold are the southern Tiantian profit currency B and Yifangda cash increase currency B. The annualized income is about 2.5%. The access to T 0 is convenient and fast, and its yield can also be ranked at the forefront of major currency funds for a long time.
2, stable investment, that is, a part of the pursuit of stable income. The investment period of this part of the funds can be placed in half a year to two years, because the investment period is longer than the living money management, which means that it can get a higher return on the basis Wealth management products or bond funds can currently achieve about 5%of annualized income. China Merchants Bank, Tiantian Fund, and JD Finance can buy some good wealth management products. The essence is basically similar. They are all investment bonds in the later stage of the brokerage asset management plan. The risks are relatively controllable. In the later period, with the net value management of the fund and various asset management plans, the risk of credit bonds is superimposed. This part of the wealth management products also face some risks of losses, but the overall risk and volatility are much smaller than the stock.
3, long -term investment, that is, the pursuit of long -term value -added assets. The investment period of this part of the funds is recommended to hold for at least 3 years, the investment period is longer, and the risk is greater. We can use risks to exchange income to choose some high -yield partial stock products, such as index funds and good Some active management funds. I personally buy some fund products through platforms such as Tiantian Fund and Alipay, which is also the main way we have greatly improved wealth management income.
4, insurance protection, that is, buying various commercial insurance money. There are always risks other than in life, and the new crown epidemic in 2020 has given us a deep understanding of risks. It is very necessary to take out a part of the money to configure the insurance and pave the safe pad for yourself and the family. The essence of insurance is to use a small part of the money to prevent accidents that may be unbearable in the future, so it is not recommended that you allocate savings insurance as an investment, but choose consumer insurance with relatively low prices. You can give the necessary protection at critical moments to give the necessary protection. Essence At present, the four mainstream commercial insurance is critical illness insurance, life insurance, medical insurance, and accident insurance. Some good companies will allocate commercial insurance for employees. Some of the excellent companies will allocate additional business for employees and employees. Insurance. I personally strongly recommend everyone to sort out what insurance in their own name. It is recommended that everyone allocate at least a critical illness insurance to ensure that there is no need to rely on "water drops" when there is extreme situations.
. Everyone's life cannot deal with money. The money is not universal, but there is no money. In fact, the premise of financial management is that you have to have spare money to operate, so the most important thing is never how to spend money, but how to make money. If we can put more than 80%of the energy on how to work well, earn more money, and then take out 10%of the energy to sort out the funds of the hand to make the asset allocation. I believe that the future is expected.
Pay content for time limit to check for freenAnswer Dear consultants: Hello! I am very happy to serve you ~ I am a Baidu partner "Jiang Yu". Your question has been received. It is sorting out the answer. Answer you in about 10 minutes, please later ~nCan make money, but can't make a lot of money. First of all, we must understand that the purpose of our wealth management is to keep our [idle money] preservation and appreciation. As for how much earnings, it is actually closely related to your principal. If you are a young man who has just graduated, the principal is only tens of thousands of yuan. If it is calculated by 10%annually, the earnings of one year are several thousand yuan, and the cost you need to pay is: this money is: the money you need to pay: this money The mobility of poor liquidity, at the same time, should be investigated and analyzed on the platform of investment, and it is necessary to spend energy and worry from time to time.nThe profit of thousands of yuan is actually your monthly salary. But if there is any overdue of the platform you invest, or even the liquidation run, you can lose tens of thousands of dollars. If you turn around and think about it, you need to earn it through financial management to earn it back. Essence Therefore, if you have the consciousness of investing in wealth management, do not easily invest in platforms or projects that are unclear, especially the high yield. Keep a message saying that you take you to do a project. LOW is explosive.nIf your awareness of risk is weak and weak, then you can obediently put it in Yu'ebao, so it is convenient to spend.nFinancial management can make money, but it has a lot to do with the principal. At the same time, wealth management cannot be rich overnight, earn a lot of money, and there is a certain risk. , Prevent unreasonable consumption, yearn for a better life.n3 morenBleak
1. Financial management is helping to fight wealth management and let the property appreciate. , Professional financial management must also have an qualified examination; but not financial management will never have a big value -added of property; . The basic principles of wealth management are: the basic living security is separated from leisure, pursuing maximum benefits and risk prevention phase phases Combining, we must talk about comprehensive income and decentralized risks.
Making money is definitely profitable. General wealth management products are revenue from capital, but there are also losses. Generally, the higher the income, the greater the risk. See how you choose, will you choose?
Financial [lǐ cái]
This
(Financial
) refers to the management of finance (property and debt) to achieve property preservation and value -added. Financial management is divided into company wealth management, institutional financial management, individual and family financial management. Human life
is inseparable from the material foundation, which is closely related to financial management. "Financial Management" is often used with "investment and financial management", because "financial management" has investment, and "investment" has financial management.
1 Make money in the range-income
It lifetime income includes the work income generated by personal resources, and the wealth management income generated by the use of money resources; the work income is to make money by people, and the wealth management income is to make money by money.
2. Wealth management income: Including interest income, rental income, dividend, capital gain, etc.
Calling money-expenditure
It lifetime expenditure includes personal and family life expenditures from birth to ending, and financial expenditures generated by investment and credit use. Some people have expenditures, and they have a burden. The main purpose of making money is to pay the expenses of individuals and families. Including: Life expenditure: including family expenses such as clothing, food, daily, and medical treatment. Financial expenditure: including loan interest expenditure, guarantee insurance premium expenditure, investment procedures expenditure, etc.
Sdent money
The current income will be generated when the income exceeds expenditure, and the savings accumulated in each period are assets, that is, the principal that can help you get money and generate investment income. When the resources of the person cannot continue to work when they are old, they must rely on the resources of money to generate wealth management income or realize assets to support their old age. Including:
1. Emergency reserve: retain a cash to prepare for unemployment or from time to time.
2. Investment: Investment tool portfolio that can be used to breed wealth management income.
3. Production: Buy self -use houses, self -use vehicles, etc. provide assets using value.
borrowing money-liabilities
Is to borrow money when cash income cannot pay cash expenditure. The reason for borrowing money may be temporarily incompetent, purchasing real estate or automotive appliances that can be used for a long time, and investing in credit. If you do n’t pay the money immediately, you will accumulate the liabilities to pay interest according to the liability balance. Therefore, before the loan is paid off, the expenditure of each period is in addition to living consumption, and the financial principal interest stalls are paid. Including:
1. Consumer liabilities: such as credit card recycling credit, cash card balance, installment payment, etc.
2. Investment liabilities: such as borrowing money for margin margin margin, borrowing money for financial leverage.
3. Self -use asset liabilities: If you purchase a house loan and car loan required for self -use assets.
Save money-save
In modern society, not all income can be used to pay for expenditure. Taxation, so how to legally save income tax in cash flow planning, how to legally save gift tax or inheritance tax in the property transfer plan has also become an important part of financial management. High -income individuals have become the primary consideration of financial management. Including:
1. Income taxation plan;
2. Property taxation planning plan;
3. Property transfer taxation planning (mostly used in this item);
The focus of money-guarantee
The focus of money protection is risk management. Fortune
The consumer cake chart
production is protected, or you can get financial management to make up for the loss when loss. In order to occur, when the accident causes the family's cash income to be unable to pay the expenditure at that time or later, there is still a sum of money or income to make up for the gap and reduce the impact caused by unexpected income and expenditure during the life journey. In order to obtain a life insurance and property insurance guarantee that compensate for people or property losses, a certain ratio of premiums must be paid. Once the insurance accident occurs, the financial income generated by the claims can replace the interrupted work income to cope with the living expenditure of the family or survivors. Or pay the liabilities with claims to reduce the expenditure of financial interest. In addition, trust arrangements can independent the trust property outside other private property, and are not pursued by the creditors, and have the function of protecting existing property from loss. Including:
1. Life Insurance: Life Insurance, Medical Insurance, accident insurance, disability insurance, pension insurance.
2. Product insurance: fire insurance, liability insurance.
3. Trust
4., Fund fixed investment
2 interpretation n core meaning
In the process, the smooth cash flow and the improvement of wealth can be achieved. Financial planning and management research originated from the United States, and is generally divided into personal (family) financial planning and company financial planning. Family financial management also includes financial education for children.
extension interpretation
Topic: Financial
n
Basic explanation
[Manage Money Matters; Financial] Management of property, financial management, financial management
Details Explanation
"Yi · Fairy": "Financial management is righteous, the banned people are not right." Kong Yingda Shu: "The saints govern their wealth and use it." , Forbidden people and wrong. "Song Zeng Gong's" Recommended Funds ":" His Majesty said that the ministers said, using festivals as the essentials of financial management, and the saying of wealth management in the world. " Three or three times: "I want the way of financial management, which is about the truth of the people who live, and the people who eat; This smart 'Master Grandma "knows the' financial management 'method."
Professional connotation
I. The term "financial management" was first seen in the early 1990s. With the expansion of the Chinese stock bond market, the increasingly abundant commercial banks and retail businesses and the overall income of citizens have increased year by year, the concept of "financial management" has gradually become popular. Personal wealth management varieties can be roughly divided into personal asset varieties and personal debt varieties. Common funds, stocks, bonds, deposits, life insurance, gold, etc. are personal assets; and personal housing mortgage loans and personal consumer credit are personal debt varieties.
. What is financial management?
The people talk about financial management, and they think of whether they are investing or making money. In fact, the scope of financial management is very wide. Financial management is the wealth of life, that is, the cash flow and risk management of the individual's life. Including the following meanings:
① Financial management is the wealth of life, not just to solve the urgent money problem.
② Financial management is cash flow management. Everyone needs money (cash out of cash out) as soon as everyone is born, and it also needs to make money to generate cash flow. Therefore, no matter whether they have money, everyone needs financial management.
③ financial management also covers risk management. Because more traffic in the future is uncertain, including personal risks, property risks, and market risks, it will affect cash inflows (income interruption risks) or cash outflows (cost increasing risks).
. Where to wealth management
The institutions that can provide customers with financial services in China are mainly banks, securities companies, and investment companies.
1. Banking wealth management
The wealth management products provided by commercial banks in my country are divided into fixed income products, capital protection floating income products and non -guaranteed floating income Product three categories.
2. Securities company wealth management
If securities wealth management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Those can choose different financial tools according to their different needs and investment preferences.
3. Investment company's wealth management
If investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, third -party wealth management, etc. The required starting funds are high, suitable for high -end financial management people.
4. E -commerce wealth management
21st century, in addition to offline outlets of wealth management, you can also use the financial search engine search wealth management products on the Internet for wealth management products Various comparison of risk returns will be invested afterwards.
. How to finance
Generally speaking, the wealth management account opened by the bank can handle savings products and bank wealth management products and fund products, and large banks can also be purchased through the banking system. Due to the wide distribution of bank outlets, the investment and wealth management accounts opened by bank channels can be handled at the bank counter.
The financial accounts opened by securities companies can be used for stocks (including A shares, B shares, H shares, etc.), bonds (including national bonds, corporate bonds, corporate bonds, etc.), futures (futures, etc.) Including financial futures such as stock index futures, foreign exchange futures, etc., commodity futures, such as gold futures, agricultural futures, etc.), such as investment financial tools. The opening of the securities account can be handled at the business department of each securities company and needs to be handled within the trading date.
The procedures for investment companies are relatively convenient. Generally, you only need to provide your ID card and bank card copy. Investment companies will also customize exclusive financial planning for customers.
. The level of financial management
The first layer is effective and reasonable to handle and use money, so that your money costs the most to play the greatest player. The effect to meet the purpose of daily life to maximize the needs.
It the second layer is to invest with surplus money to generate the best financial income, that is, the level of money to produce money.
The third layer is to plan life from a financial perspective. Use existing economic and financial conditions to maximize the value of human resources and prepare for future development.
3 Plan
Step
1. Looking back on your asset status
The expectations of existing assets and future income. The most basic premise.
2. Set financial management goals
Essence
3. Clarify the type of risk
do not consider the hypothesis that does not consider any objective situation In the stock market, he did not consider parents and children, and did not consider family responsibilities. At this time, his risk appetite deviated from the scope he could bear.
4. Asset allocation strategies
In asset allocation in all assets, then the choice of investment varieties, investment timing, and values value. Essence
Core
is the process of matching assets and liabilities. Assets are the ability of previous stock assets and income, that is, future assets. Liabilities are family responsibilities. They must support their parents and raise their children for him to go to school. The second is the goal, and the goal has also become our liabilities. We must have a high -quality life and make your assets and liabilities dynamically match. This is the core concept of personal financial management.
4 Note that the content
The wealth management investment is also risky. Novices can take a look at the following suggestions to control the risk:
: Investors are not agents, Do not enter the field random, otherwise you will only earn more.
: Be sure to achieve a target price in your heart, not in your heart without a price.
Third: Be sure to set the stop loss point to reach the stop loss point, speed stop loss, leave the field.
Fourth: Do not put the zoom in the ratio of leverage too much.
Fifth: Before entering the market, make more analysis, look at the news on both sides and look at the charts; after entering the market, keep in touch with the market. Look at the news that is beneficial to yourself. As soon as the wind blows the grass, immediately liquidates.
Sixth: Do not be stubborn. Sometimes it depends on the wind to make the rudder. Do not be old -fashioned. Wanlian markets are attributed to the city, which means that sometimes good news enters the market, and the city
not only did not do well, but declined, that is, your previous analysis is wrong. Please make a decisive time. Don't be old -fashioned. If you are a novice for wealth management, you can go to Global Jinhui to apply for a foreign exchange simulation account and experience the basic steps of simulating foreign exchange under the
. Slowly you will learn it, and finally you can learn more about wealth management. Knowledge.
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P2P borrowing is the abbreviation of Peer to Peer Lending. Peer means personal. The formal Chinese translation is "Renren Loan". It is a business model that gathers funds that gathers very small quotas
. P2P Credit Service Company is a "market version" for private lending. It refers to individuals with funds to open up and have financial investment ideas, pass
This through credit intermediary agencies to bridge, use credit loans to loan funds to other people with loans. In addition to paying interest, the borrower also needs to pay a certain agency fee to the company.
The online loan platform is an emerging stage in China. It has just begun, and beware of being deceived! Now lacks the protection of laws and regulations, the rights and interests of wealth management people are difficult to protect.
Id you to recommend a few articles about being deceived! Learning more, this industry can only have high returns after a painful struggle!
In my country's credit market, regular financial institutions have long occupied the dominant position. Due to the cumbersome procedures, high costs, low income, and greater risks to small micro -enterprises, financial institutions are generally hot r generally
The is sincere to lend to large enterprises. In the context of the continuous tightening of silver root, the increasingly severe inflation situation, the loan of small and medium -sized enterprises is difficult to loan, at the same time, a large number of private capital has been accumulated, and the investment channels are narrow. Essence At the same time, the global wave of informationization has spawned a new form of private lending -the emergence of the P2P network lending platform. In 2006, my country established the first P2P lending
, and since then, it has shown a booming trend and promoted the prosperity of civil loan. *The risk of rhythm also hinders its development of one
to a certain extent. Recently, the occurrence of Antai's excellent closure, Youyi Loan's suspected fraud, and other incidents, pushed P2P online loans to the cusp.
. The issue of the issue of the P2P network lending platform
On August 23, 2011, the General Office of the China Banking Regulatory Commission issued the "Notice of the General Office of the China Banking Regulatory Commission on the risk of Renren's loan risk ", Revealing the seven risks of everyone's loan intermediary services. Risk -loan, that is, the risk of the P2P network loan platform has increasingly attracted people's attention.
p2p (Peer-TO-Peer) network loan platform, referred to as "Renren Loan", that is, not through financial institutions such as banks, but to realize personal loan network platforms through the Internet.
P2P network lending platform is the product of private loan information. On the one hand, more and more folk leisure funds cannot seek effective investment paths; on the other hand, in the era of rapid development of computer technology, comprehensive networking
, and information, the Internet has greatly improved the speed of information dissemination. And extended the coverage of information. Folk Loan Network Platform -P2P network loan platform has emerged by informatized Dongfeng. P2P network
The lending platform uses information technology to rely on the network platform to provide the docking of loan information, unlimitedly enlarged the customer base, and break the original "face -to -face" borrowing model.
The lending process such as loan.
. The main performance of the legal risks of the P2P network lending platform
The domestic P2P network loan industry has developed rapidly and has formed a certain scale. However, while the online loan platform has emerged endlessly, it also exposes the defects of its platform itself and the legal environment. [1]
(1) The borrower's personal credit risk is relatively large
At present, the P2P network lending platform is mainly based on the identity provided by the borrower. Certificate, property certificate, payment record, acquaintance evaluation and other information evaluation borrower's credit. On the one hand, this
proof information is easy to fake, providing an error basis for credit evaluation; on the other hand, even if it is a real proof material, there is also one -sidedness. Objective credit evaluation.
(2) Improper operation mode is easy to step on the red line of "illegal fundraising"
At present, some of the creditor's right transfer mode used by some P2P network lending platforms has attracted everyone's widespread attention and In warm discussion, Ms. Wu Xiaoling, deputy director of the Finance and Economics Committee of the National People's Congress, said that the operations of some P2P network lending platforms have the shadow of illegal fundraising and must beware of risks.
The debt transfer model adopted by some platforms is to conduct debt transfer activities through personal accounts, making the platform a hub of capital exchanges, not the pure intermediary of both parties to the borrowing parties. The transfer of claims is to reorganize the claims to the lenders through the dual segmentation of the term and amount, and its essence is asset securitization. This model is easily identified as a large,
smate to absorb funds from unspecified financial management people, which is very similar to "illegal absorption of public deposits".
(3) The source of funds is difficult to review
P2P online borrowing funds from the borrowers who hold idle funds. These funds generally come from legitimate channels. However, the illegality of its source cannot be ruled out. At the same time, the P2P network loan platform often lacks the means of review of the source of funds. Therefore, these network platforms have the risk of money laundering tools or engaged in usury.
(4) The safety of precipitated funds is low
P2P network loan platform involves a large amount of capital transactions. Since the loan funds are not instantly entered the account of both borrowers, they will generate path of capital funds. Essence The huge amount of funds is controlled by the loan website. If the
website opens a third -party account to issue a loan on behalf of the loan, if the internal control program is invalid, the website staff is negligible or used by people, it is very very useful. It is prone to illegal misappropriation of funds and illegal fund -raising internal personnel illegal illegal
crimes.
(5) The use of funds after loan is difficult to supervise
After the funds are loan, how to ensure the use of funds in accordance with the promised use instead of the loan after the illegal crime activities and other loans The issue of fund tracking does not have a complete laws and regulations. Article 13 of the "Supreme People's Court on the People's Court
The opinions of the Court of Court of the Court of Court" stipulates: "In the borrowing relationship, people who only have contact, the person who introduces the role, and shall not bear the responsibility." Therefore, the borrower should be the borrower When you cannot pay interest on time on time, the website is only
The role of the recovery person, and if the amount of a small amount of small loans is small, the cost of recovery is difficult to make up.
(6) The financial privacy rights of both borrowing cannot effectively protect
p2p lending website to provide a platform for borrowing information to the borrowing. General websites require borrowers to provide personal identity and property information. On the one hand, they provide the lender to provide the credentials of the borrower, and on the other hand,
are also used as a basis for credit evaluation. If the confidentiality technology of the website is cracked, the personal identity and property information provided by the borrower to the website will be leaked, and the privacy of the borrower cannot be effectively protected.
-serving the granular loan service wholeheartedly —
Each person's income can basically be distinguished by labor income and asset income. The main source of income of most people is labor income, that is, the basic labor remuneration obtained in the company's work, asset income income requires a certain amount of original capital accumulation, and puts the income from labor revenue into the stock market, buying wealth management, funds, etc. Both benefits can be simply referred to as asset income.
. The expenditure of each person can basically be summarized from five aspects of clothing, food, housing, and five aspects. , Traveling, etc.) to distinguish.
If office workers to make financial management, it should be the remaining part of the income to reduce the fixed cost and after leaving the current plan for the current plan. I usually configure this part of the funds for personal financial management.
1, living money management, that is, the money that may be used at any time in daily life. This part of money is mainly used to cope with daily expenses or accidents, and can also perform long -term investment increase operations at appropriate time. This part of money mainly considers the liquidity of funds. At present, the best configuration direction is a currency fund. The most common currency fund is Yu'ebao, but at present, the annualized yield of Yu'ebao is only about 2.1%. The currency funds with a highly stable yields I personally hold are the southern Tiantian profit currency B and Yifangda cash increase currency B. The annualized income is about 2.5%. The access to T 0 is convenient and fast, and its yield can also be ranked at the forefront of major currency funds for a long time.
2, stable investment, that is, a part of the pursuit of stable income. The investment period of this part of the funds can be placed in half a year to two years, because the investment period is longer than the living money management, which means that it can get a higher return on the basis Wealth management products or bond funds can currently achieve about 5%of annualized income. China Merchants Bank, Tiantian Fund, and JD Finance can buy some good wealth management products. The essence is basically similar. They are all investment bonds in the later stage of the brokerage asset management plan. The risks are relatively controllable. In the later period, with the net value management of the fund and various asset management plans, the risk of credit bonds is superimposed. This part of the wealth management products also face some risks of losses, but the overall risk and volatility are much smaller than the stock.
3, long -term investment, that is, the pursuit of long -term value -added assets. The investment period of this part of the funds is recommended to hold for at least 3 years, the investment period is longer, and the risk is greater. We can use risks to exchange income to choose some high -yield partial stock products, such as index funds and good Some active management funds. I personally buy some fund products through platforms such as Tiantian Fund and Alipay, which is also the main way we have greatly improved wealth management income.
4, insurance protection, that is, buying various commercial insurance money. There are always risks other than in life, and the new crown epidemic in 2020 has given us a deep understanding of risks. It is very necessary to take out a part of the money to configure the insurance and pave the safe pad for yourself and the family. The essence of insurance is to use a small part of the money to prevent accidents that may be unbearable in the future, so it is not recommended that you allocate savings insurance as an investment, but choose consumer insurance with relatively low prices. You can give the necessary protection at critical moments to give the necessary protection. Essence At present, the four mainstream commercial insurance is critical illness insurance, life insurance, medical insurance, and accident insurance. Some good companies will allocate commercial insurance for employees. Some of the excellent companies will allocate additional business for employees and employees. Insurance. I personally strongly recommend everyone to sort out what insurance in their own name. It is recommended that everyone allocate at least a critical illness insurance to ensure that there is no need to rely on "water drops" when there is extreme situations.
. Everyone's life cannot deal with money. The money is not universal, but there is no money. In fact, the premise of financial management is that you have to have spare money to operate, so the most important thing is never how to spend money, but how to make money. If we can put more than 80%of the energy on how to work well, earn more money, and then take out 10%of the energy to sort out the funds of the hand to make the asset allocation. I believe that the future is expected.
Pay content for time limit to check for freenAnswer Dear consultants: Hello! I am very happy to serve you ~ I am a Baidu partner "Jiang Yu". Your question has been received. It is sorting out the answer. Answer you in about 10 minutes, please later ~nCan make money, but can't make a lot of money. First of all, we must understand that the purpose of our wealth management is to keep our [idle money] preservation and appreciation. As for how much earnings, it is actually closely related to your principal. If you are a young man who has just graduated, the principal is only tens of thousands of yuan. If it is calculated by 10%annually, the earnings of one year are several thousand yuan, and the cost you need to pay is: this money is: the money you need to pay: this money The mobility of poor liquidity, at the same time, should be investigated and analyzed on the platform of investment, and it is necessary to spend energy and worry from time to time.nThe profit of thousands of yuan is actually your monthly salary. But if there is any overdue of the platform you invest, or even the liquidation run, you can lose tens of thousands of dollars. If you turn around and think about it, you need to earn it through financial management to earn it back. Essence Therefore, if you have the consciousness of investing in wealth management, do not easily invest in platforms or projects that are unclear, especially the high yield. Keep a message saying that you take you to do a project. LOW is explosive.nIf your awareness of risk is weak and weak, then you can obediently put it in Yu'ebao, so it is convenient to spend.nFinancial management can make money, but it has a lot to do with the principal. At the same time, wealth management cannot be rich overnight, earn a lot of money, and there is a certain risk. , Prevent unreasonable consumption, yearn for a better life.n3 morenBleak
1. Financial management is helping to fight wealth management and let the property appreciate. , Professional financial management must also have an qualified examination; but not financial management will never have a big value -added of property;
. The basic principles of wealth management are: the basic living security is separated from leisure, pursuing maximum benefits and risk prevention phase phases Combining, we must talk about comprehensive income and decentralized risks.
Making money is definitely profitable. General wealth management products are revenue from capital, but there are also losses. Generally, the higher the income, the greater the risk. See how you choose, will you choose?