How to learn financial knowledge efficiently and systematically

Go to the exam ** Practitioner Qualification Certificate.

It's not very difficult, but it can really compare the basic knowledge of finance in a systematic geography.

1. Find an entry point.

If you study accounting, you can start with various financial statements and various business statements.

First understand the data of debits and credits**, the meaning of each accounting account, and match the actual business products of each business operation department. For example, the income from intermediate business includes the income of which products (wealth management, salary payment, etc.). Understand the reasons and characteristics of its income fluctuations, its percentage, and more.

From these contents, you can basically build a thick line of knowledge. From it, you can understand the main business and characteristics of the bank, as well as the focus of the phased development.

2. Diverge from the line of knowledge.

Why does credit card income fluctuate throughout the year, and why? What is its main income**? (Installment fee or credit card to share profits). And then expand out, what is a credit card installment? What is credit card income?

What is the proportion of wealth management business income in intermediate business income? What products are included in wealth management? What these products look like.

Through these self-study, you have a basic understanding of the basic content of the bank's business, of course, the details are not enough, you have to rely on yourself to gradually supplement and improve in your daily work.

3. Organize and reconstruct a knowledge network.

By the second step, your line of knowledge is only two-dimensional. A thick line (the line of knowledge) has many nodes (product points) on it, but you need to start understanding the connections between the nodes.

Normally, you can randomly draw two nodes to compare, correlate, and think. Finally, form your own knowledge network.

For example, what is the relationship between the sale of wealth management products and personal savings deposits? What are the similarities and differences between microcredit loans and credit cards, and what is the relationship?

Coming here, congratulations, basically you're already a good business expert.

Basic knowledge of financial markets and monetary policy; Financial Accounting;; The company's financial preparation and dismantling affairs; **Pricing. Utility Theory, **Pricing; **Market.

Categories of various rolling financial products, trading mechanisms; International Finance. Various financial products in the foreign exchange market Foreign exchange market mechanism BOP project Various exchange rate systems Exchange rate adjustment mechanism. Recommend a book – Stiglitz's; Corporate Strategy.

Strategic decisions for the company.

Finance, self-study, is more suitable for small and medium-sized entrepreneurs, because they can use it in reality if they learn it. After learning, you must have a place to use it in order to understand it thoroughly. The average person learned.

It's hard to get a chance to practice. No one else dares to use you. There will be some people.

Embark on the path of exploiting legal loopholes. An ordinary person can only start with private financial institutions, starting with personal financing and simple financing for enterprises.

Generally speaking, the number, type, and degree of sophistication of financial instruments, as well as the number, type, and efficiency of financial institutions, form a financial structure with different levels of development. According to the explanation of Western economist Goldsmith, the financial system of a society is composed of many financial instruments and financial institutions. Different types of financial instruments are combined with financial institutions to form a financial structure with different characteristics.

Whether you are self-taught or brought along, the best way to learn something quickly is to establish a system and lay a good foundation.

This list of books is very suitable for beginners like the subject.

1. Fundamentals of Economics: Principles of Economics, vol. 2, Mankiw.

It can be called the entrance must be dull and bright, and it is highly recommended.

2. Money and Banking: Monetary Finance Mishkin.

With Mankiw's macro and micro foundations, it would be better to read this book again, and there are some places where the translation is not very good......

3. Finance: "Investment" is a key and a void.

In fact, in the finance course, you have to learn a copy of Bodi's "Finance" as a foundation, but I personally think it is not necessary, the two books have more duplication This book requires a certain amount of statistical knowledge.

4. Accounting: Principles of Accounting

Generally speaking, students from other majors may be more painful to study accounting on their own, so it is recommended to find a student from the accounting department who can answer your questions. If you want to understand corporate finance, basic accounting knowledge is still necessary.

5. Corporate Finance: "Corporate Finance" Ross.

Corporate Finance StudentsCorporate FinanceCorporate FinanceThe classic textbooks of corporate finance, some of the contents of which are ...... the same as investment

6. Intermediate Macro and Microeconomics: Microeconomics: Modern Perspectives by Fan Ri'an, Macroeconomics by Mankiw.

7. Econometrics: Introduction to Econometrics: Modern Perspectives.

I really don't recommend self-study of measurement and quantification-related courses, the cost performance is too low...But since the subject asks for it, it is also put on it.

8. Financial Engineering: Options, Options and Other Derivatives

Personally, I think it can be divided into three parts, the plan before the start of the erection, the selection of resources for learning and the selection of exams. Finance is a relatively comprehensive major, which generally requires high school mathematics knowledge and English reading ability at level 4 or above. The first choice for open classes is NetEase open classes, which are easier to get started.

<> "Financial Trivia.

VAM Agreements. In practice, the so-called "VAM", also known as the valuation adjustment agreement, refers to an agreement designed by the investor and the financier to adjust the valuation of the target company in the future in order to solve the uncertainties, information asymmetry and cost of the future development of the target company between the parties to the transaction in order to solve the uncertainty of the future development of the target company, information asymmetry and cost of the two parties to the transaction.

Let's take an example to illustrate, if you have a fried chicken restaurant and you want to open another fried chicken restaurant, but the funds are not enough to buy a second store, then someone invests 100,000 yuan to buy the store, and let you open a second fried chicken restaurant and agree to pay a dividend of 20% every year, if you can't reach the 20% dividend target, your first fried chicken restaurant will also be owned by the investor, which is actually a kind of bet.

The VAM maximizes the protection of the investor's interests, as if it does not have to bear any investment risks, and the investee is at the bottom regardless of the investment outcome, which is the price that the investee has to pay if he wants to obtain a large amount of money quickly.

Therefore, the VAM agreement is not so much the exploitation of the investee, but rather the willingness of Zhou Yu to beat Huang Gai and his willingness to suffer. VAMs arise from the uncertainty of the future profitability of the enterprise, in order to achieve as reasonable and fair investment transactions as possible. It is not only the umbrella for the interests of investors, but also plays a certain incentive role for financiers.

Risk aversion of VAM agreements:

In the current situation where VAM agreements have become a trend, what we need to do is to avoid the risks brought by VAM agreements to the greatest extent. At the beginning of the agreement, the investor and the investee should have a sufficient understanding of each other, confirm that both parties are qualified to enter into the VAM, and correctly understand the pros and cons of the VAM agreement.

When signing, it is necessary to carefully study the VAM agreement, carefully design the terms and conditions to set reasonable conditions and minimum guarantee terms, and after signing, if an unfavorable situation arises, both parties may apply to adjust the VAM agreement to make it more fair.

<><Learn a little bit about finance

Deflation

On the financial side, deflation and inflation are relative.

We are familiar with inflationary accounts.

To put it simply, there are more currencies in the market and relatively limited commodities.

Deflation leads to a shortage of money that tends to fall.

Much of our decades of development have been linked to inflation, but there has been deflation before, and the macro performance of deflation is **assets**, valuable**, etc., which have declined in a certain period of time.

Economists generally agree that once the CPI has fallen for three consecutive months, it is a sign of deflation.

Causes of austerity.

Microscopic aspects. 1.Insufficient investment in demand.

If the economic situation continues to be sluggish, the investment and consumption behavior in the market will decrease, which will lead to oversupply, which will lead to ****, which in turn will affect corporate profits and make the market as a whole fall into deflation.

2.Technology is eyeing progress and deregulation.

Technological progress increases productivity, reduces the cost of production per unit of goods, and ultimately reduces the cost of goods.

In addition, with the relaxation of access to some industries, leading to full competition will also lead to a decrease in the average.

Macro aspects. 1.Monetary and fiscal policy.

Tightening monetary and fiscal policy will lead directly to deflation.

For example, the central bank has reduced monetary contributions and leased interest rates or reserve ratios, failing to obtain fiscal approval for infrastructure projects.

2.Economic circulation.

Everything has cycles, and so does the economy.

When the economy is at its peak, the asset bubble risesCredit and monetary expansion, commodity supply exceeds demand, and when the bubble bursts and credit money shrinks, it eventually leads to cyclical deflation.

In addition, exchange rates, market expectations, etc.

It is also one of the influencing factors of deflation, but it is not the main factor.

Summary. Hello dear, finance is everywhere, finance is related to money, and money is everywhere. For investment, risk control is even more important than returns, to make fewer mistakes, to live long is the king, to perceive the development of enterprises, industries, cities and even countries, after all, capital is the most sensitive, so that we can make better decisions, and the choice sometimes changes a lot.

Hello dear, finance is everywhere, finance is related to money, and money is everywhere. For investment, wind and risk control is even more important than returns, to make fewer mistakes, live long is the king, perceive the development of enterprises, industries, cities and even countries, after all, capital is the most sensitive, so that we can make better decisions, and the choice sometimes changes a lot.

Keep it simple. Hello, 1. Have a deep understanding of the purpose and orientation of a series of policies issued by the state. 2. If you are interested in poor filial piety, you can enter the monetary capital market, and whether you earn or lose depends on Shen Xiang's own understanding and strength.

3. To be a citizen of modern society, it is necessary to know how to know the financial situation and avoid some investment frauds.