Yiwu wisdom real estate price

First, what is personal finance?

We know that the financial management of companies, units and institutions is called enterprise financial management, so the financial management of individuals (families) can be called personal financial management-personal financial management.

Personal finance = people+money

Each of us has to deal with money from birth to death; Because money is a necessity in our life, people can't live without it. We use and deal with money consciously or unconsciously every day, which is personal financial management.

In personal financial management, everyone has different ways: the rich have their own financial management methods, and the poor have their own financial management methods; Some people manage personal finance well, while others handle personal finance poorly. Some people carry out personal financial management consciously in a planned way, while others use money in a muddle. But these should also be regarded as personal finance.

If, give a precise definition of personal finance: personal finance is a scientific, planned and systematic all-round management of personal (family) finance, in order to realize the reasonable arrangement, consumption and use of personal property, and effectively maintain and increase the value.

Simply put, personal financial management is to manage your own money.

Whether you are alive or dead, money and wealth will not be with you. If you are alive, you should make good use of money, serve others and manage your personal finances scientifically, so that life will be better!

Second, the difference between personal financial management and enterprise financial management

● The financial management of the enterprise has a full-time person in charge; Personal finance depends only on yourself.

● Enterprise financial management is only responsible for the specific financial work such as enterprise financial registration, statistics and accounting, and is not responsible for the investment decision-making behavior of enterprises, but only provides decision-making reference through financial analysis; Personal financial management needs to have clear use arrangements and investment decisions (financial goals, financial plans, financial plans, etc.). ).

● Enterprises can realize the appreciation and preservation of assets through their own operations (processing, storage and transportation, sales, services, etc.). ) and foreign investment; Only by relying on reasonable expenses arrangement, safe bank savings and effective personal investment can personal wealth be increased and preserved.

● Privately operated shops, workshops, companies and enterprises no longer belong to the category of personal finance.

Third, why are there personal financial services?

As we all know, in the past, we ordinary people didn't live a rich life, and people's income was mainly used to maintain daily living expenses and a small amount of emergency savings (bank deposits). Even some people (poor areas) still have food and clothing problems. "Getting rid of poverty and becoming rich and well-off" is not only the focus of the government's work, but also the life goal of the broad masses of people, who are full of expectations for a bright future.

With the deepening of reform and opening up, China's economy has undergone earth-shaking and fundamental changes, and the domestic economic situation is changing with each passing day. People's living standards have also improved significantly, especially in the southeast coastal areas where the economy developed earlier, and more and more people are moving from "well-off" to "rich". Personal savings range from 6,543.8+million to 6,543.8+million to 6,543.8+million. Many individuals (families) have considerable savings and more spare money in their hands. How to effectively preserve and increase the value of this money has become a top priority for the rich to manage their finances.

Under the background of relatively low interest on bank deposits, it is wise to choose other personal financial investment directions. How to choose the right investment direction? How to determine the best investment plan? How to conduct a sound investment operation? All these require a lot of time and energy to study, analyze, judge and make decisions, and one's time and energy are limited after all. Personal financial service caters to the needs of the times and is developing vigorously in China in the 2 1 century.

In fact, in western countries with relatively developed economies, personal financial services have long been very common. People can consult their best financial plan and investment plan through personal financial services and get the latest personal financial information. You can also represent part or all of your personal property through personal financial services to realize the effective preservation and appreciation of your personal property.

Fourth, the Chinese nation is an excellent nation with a long history of thrift.

The Chinese nation has a long history and culture of thousands of years, which has created the traditional virtues of diligence, simplicity and diligence of Chinese children.

People always accumulate wealth through traditional thrift, and every little makes a mickle. This is the money squeezed through the teeth, and it is the wealth collected one by one. Some people have worked hard and made a fortune all their lives, and the money saved is not worth a meal of a rich family. However, every penny of this money is his hard-earned money and spiritual wealth that cannot be underestimated. His behavior is commendable.

China people pay more attention to the use and arrangement of money while paying attention to thrift. There is an old saying: "You get what you pay for, two and a half flowers", but you can think about the accuracy of the use of money. Many people use money skillfully and carefully. Be careful. Shanghai people, in particular, are famous all over the country for their delicious food.

It can be said that China people are far stronger than western countries in the arrangement of family expenditure, which is unmatched by westerners. However, in terms of foreign investment and personal property management, China people lag far behind western foreigners. The reason is that the concept of personal investment and financial management lags behind. At present, most people in China still take conservative bank savings as the main way and means to preserve and increase the value of their personal property, and cannot establish a correct awareness of personal venture capital (that is, risk is directly proportional to income, and the higher the risk, the greater the income). Still afraid of risks, stick to the rules, hold back, and dare not join the field of personal venture capital.

The pace of the times is developing rapidly, and the pace of history has entered a brand-new 2 1 century. People have entered a new era of personal financial investment, and outdated concepts and backward personal financial investment methods will lead to poverty and backwardness of personal wealth. Therefore, the first thing to do is to widely publicize the new concept of personal financial investment, establish a correct concept of personal financial management, enhance the awareness of personal financial management and personal risk investment, and improve people's personal financial management skills.

On the basis of thrift and housekeeping, we will increase people's ability to acquire more wealth.

Five, the old way of bank savings investment will be challenged.

For a long time, people have been accustomed to taking traditional bank savings as the main means to preserve and increase the value of personal property. This ancient way has low risk, which can be said to be zero in China, but the rate of return is lower than other personal investment methods.

In the past, the national government has been actively encouraging people to make personal savings in order to organize idle funds in the hands of the people to support the country's economic construction.

However, with the deepening of reform and opening up, the country's economic situation is developing well and people's income is constantly improving. People have more and more money in their hands, and the balance of bank deposits is also rising. By the end of September 2002, the balance of deposits of urban and rural residents in China had exceeded 6,543.8 billion yuan. With the change of the banking financial system, huge deposits have also brought great pressure to banks, and people's single savings and investment have been unfavorable to the further development of national economic construction.

In recent years, the national government has made several appropriate adjustments to the bank deposit interest rate by using the monetary control policy, reduced the deposit interest rate for eight times in a row, and levied income tax on the deposit interest (20% of the deposit interest). Its purpose is obvious: the government hopes that people can divert some bank savings deposits and directly participate in consumption and personal investment.

In today's abundant commodity supply environment, appropriately stimulating material consumption (reasonably promoting, guiding and encouraging personal consumption) to invigorate the market, promote circulation and stimulate the vitality of enterprises is an effective means and way to improve the development of national economy. People use consumption to promote the circulation of commodities, the development of enterprises and the improvement of the national economy. Moderate consumption is beneficial to people (speeding up the development of new products), enterprises and the country, and it also reduces the great pressure on bank savings deposits.

If a person can grasp a certain sense of venture capital and make reasonable personal venture capital, he will create more wealth for himself. In today's era of information and wealth, personal finance and personal venture capital will be the most important means to save wealth for themselves. As everyone, we should assess the situation, update our concepts, adjust our personal financial investment awareness and personal wealth saving methods, use various financial investment tools to avoid risks, grasp the market and create more wealth for ourselves. A single bank deposit is no longer your only choice, and the old investment method of savings deposit will be challenged.

6. What are the specific contents of personal finance?

Personal finance mainly includes three aspects:

A. Personal financial planning B. Personal financial operation C. Personal consumption and personal credit

A. Personal financial planning

1, personal property analysis: find out how much property you actually have.

Personal net assets = personal total assets-personal total liabilities

Total personal liabilities

Personal asset-liability ratio =-100%

Personal net assets

Total personal assets: current assets, investment assets and personal fixed assets.

Total personal liabilities: long-term liabilities and short-term liabilities.

2. Personal income and expenditure analysis: daily income and daily expenditure.

Personal income and expenditure profit and loss = daily income-daily expenditure

Profit and loss value > zero: individuals have certain daily savings.

Profit and loss value = zero: daily income and expenditure are balanced, and there is no savings in daily life.

profit and loss