What is a direct financing tool for financial management?

The direct financing tool of bank wealth management is a standardized investment carrier set up by commercial banks as promoters and managers, directly invested by debt financing of individual enterprises, uniformly managed by designated registered custody and settlement institutions, invested by qualified investors and publicly disclosed in designated channels.

"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.

Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.

1. Bank investment

The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.

2. Financial management of securities companies

Securities financing generally includes securities income certificates, asset management products and so on.

3. Insurance financing

Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.

4. Investment company financing

Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.

5. E-commerce financial management

2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.

Extended data

money outlay

Lifelong expenses include the living expenses of individuals and families from birth to death, as well as the financial expenses arising from investment and application for credit. 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.

Save money-assets

When the current income exceeds the expenditure, there will be savings, and the savings accumulated in each period are assets, that is, the principal that can help you roll money and 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 real estate: purchase of self-occupied houses, self-occupied cars and other assets that provide use value.