What are the ways and channels of investment and financial management?

There are many types of investment and financial management, mainly including the following 12 aspects:

1, trust

Trust financial management is a kind of property management system, and its core content is "entrusted financial management". Specifically, it refers to the act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor.

2. Internet fund sales

If a fund sales institution cooperates with other institutions to sell wealth management products such as funds through the Internet, it shall earnestly fulfill its risk disclosure obligations and shall not solicit customers by committing illegal gains. Fund managers should take effective measures to prevent maturity mismatch and liquidity risk in asset allocation.

3. Internet insurance

Insurance companies should follow the principles of safety, confidentiality and stability when conducting Internet insurance business, strengthen risk management, improve internal control system, and ensure transaction security, information security and capital security. Professional Internet insurance companies should adhere to the basic orientation of serving Internet economic activities and provide targeted insurance services.

4. Gold speculation

Since the Bank of China launched the "Huang Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal financial market, attracting investors' attention and favor.

5. Funds

Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. By the end of 20 12, funds have obviously surpassed deposits in financial analysis and become the top priority in many aspects of investment and financial management.

6. Stock trading

Some experts have analyzed that the future situation of capital supply and demand is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors.

7. National debt

There are many varieties in the national debt market, and investors have many choices. New attempts and reforms have also been made in the way of issuing national debt, which further improves the marketization level of national debt issuance and minimizes the interference of non-marketization factors.

Step 8 combine

20 13 may accelerate the issuance of corporate bonds, corporate convertible bonds, floating interest rate bonds, bank subordinated bonds, etc. Will become a good investment variety. In addition, China Banking Regulatory Commission will include subordinated term debt in tier 2 capital to supplement the capital composition of commercial banks, which will make the prospect of issuing bonds by banks brighter, which will once again add fuel to the fire in the bond market.

9. Foreign exchange

With the continuous decline of the exchange rate of the US dollar, more and more people have made a lot of money through personal foreign exchange transactions, and the foreign exchange market was once extremely hot. A variety of foreign exchange wealth management products have also been launched, such as foreign exchange of commercial banks, foreign exchange treasure of China Bank and Agricultural Bank. For investors to choose.

10, insurance

Once income-based insurance is introduced, it is highly sought after by people. Generally, there are many types of income insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, the purchase of income insurance is expected to become a new hot spot for personal investment and financial management.

1 1, P2P financial management

"P2P" means "person-to-person", which is a new generation of private lending form closely related to innovative technologies and innovative financial models such as the Internet and microfinance. This form provides transparent, open, direct and safe micro-credit transactions for familiar or unfamiliar individuals to the maximum extent. It is young, innovative, cautious and low-key.

12, futures

We should pay attention to three "quantities" in futures investment and financial management, namely: initial inventory, current output and current import.

Opening inventory refers to the physical quantity of goods accumulated in the previous year or quarter for the society to continue to consume. Current output refers to the commodity output of this year or this quarter. The import volume in this period is a supplement to domestic production, and usually changes with the change of supply and demand balance in the domestic market.

Extended data

I. General principles of investment and financial management

1. Know the time value and opportunity cost of investment.

Money has a certain time value and opportunity cost. Because the time value of money creates the capitalization of money, and capital discounts the expected value of money. As an investor, you need to know the time value and opportunity cost of investment.

2. Fully realize that investment is not equal to speculation.

When individuals invest, they need to fully realize that investment is not equal to speculation. Investment is an individual's behavior to increase the value of assets by purchasing them and possessing them for a long time. Investors and speculators need to have a calm heart, adjust their investment assets and avoid big losses.

3. Correctly grasp the investment strategy during the economic boom.

Investment needs to have a certain understanding of the characteristics of the macro economy. In the period of economic prosperity, the supply of goods in the market is in short supply, and the increase of production can't meet the increase of demand. Output is increasing, production factors are also increasing sharply, and costs and commodity prices will also rise.

Two. Matters needing attention in investment and financial management

1, make good use of the financial budget and avoid using the funds necessary for life as capital.

Psychological characteristics of gamblers: people who suffer losses, are excessive and neurotic, don't use your living funds as trading capital. Excessive financial pressure will mislead your investment strategy, increase trading risk and lead to greater mistakes.

2, financial transactions can not rely solely on luck and intuition.

The psychological characteristics of gamblers are people who don't listen to advice. If you don't have a fixed trading method, then the profit of users is likely to be very random, that is, by luck. This kind of profit cannot last long. People who don't know the basic knowledge should take the initiative to learn.

3. Make good use of stop loss orders to reduce risks

Investors sometimes need the courage and determination of military strategists to identify opportunities and take active measures.

Step 4 do your best

Investors should understand the management of funds and grasp the maximum income of funds.

Reference source: Baidu Encyclopedia-Investment and Financial Management