What Is Financial Management?
Conduct financial pactions
:
The word "financing" was first reported in the early 2090s.
Personal finance, simply speaking, is how to deal with oneself.
wealth
"
As a service, personal finance refers to the scientific, systematic and systematic management of individual (family) property in accordance with personal (family) risk preference and short-term, medium-term and long-term demand or income objectives, so as to achieve reasonable arrangement of personal (family) property.
consumption
And use.
From the content point of view, financial management mainly includes two parts: first, financial management of life, that is, through the indispensable savings services in daily life and a wide range of intermediary businesses, properly arrange the life of the future until retirement, and strive to ensure that the quality of life does not decrease; the two is to invest in wealth, including the continuous adjustment of deposits, stocks, funds, trusts by entrusting banks.
bond
Insurance and other portfolios in order to obtain satisfactory return on investment.
Personal financial products can be classified into individual assets and personal liabilities. Mutual funds, stocks, bonds, deposits and life insurance belong to personal assets. Personal housing mortgage loans and personal consumption credit belong to individual liabilities.
Scientific financial management actually includes two aspects: "making money".
How to accumulate wealth, realize the preservation and value of property, and spend money to get the best service and maximum satisfaction with the least amount of money.
Scientific financial management is not only to arrange good fortune, but also to bring money and related affairs into planned and systematic management.
Generally speaking, scientific financial management should achieve the following objectives: 1. increase income on the premise of considering investment risks; 2. reduce unnecessary expenditure on the premise of planning to improve the quality of life; 3. can improve the living standard of individuals or families; 4. can reserve the needs of the future for the elderly.
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