What exactly is the so called financial management and what is financial management ?

In the strict sense of financial management, it is actually called wealth management, that is, scientific planning, present and future resources, do a good job in family financial planning, in this process, whether it is investment insurance, pension education, real estate, etc., are a whole, not separated, so in financial planning, we must make a scientific diagnosis of family finance, and we must balance investment and consumption to do a good job in family risk management.

Financial management is not only about investing or buying and selling insurance, but also about formulating practical and operable financial plans based on the financial and non-financial conditions of individuals and families, using scientific methods and procedures, and ultimately realizing the financial security and financial freedom of individuals and families. Generally speaking, financial management is to make reasonable use of financial tools and financial knowledge to carry out different financial planning, complete the established financial goals, and achieve ultimate happiness in life. The tools of financial management mainly include savings, insurance, foreign exchange, collectibles and investment trusts, etc., and the knowledge of financial management mainly involves finance, accounting, economics, investment, finance, taxation and law.

There are two main goals of financial management, one is financial security, and the other is financial freedom, financial security is the foundation, and financial freedom is the end. From another point of view, there are two directions of financial management, one is offense and the other is defense. Is financial management about making money, is it buying ** and buying real estate?

At present, many people have a serious misunderstanding of the concept of financial management, thinking that financial management is to make money, that is, to buy ** and buy real estate. In fact, this is only one aspect of financial management, and there is another very important aspect of financial management, that is, when encountering difficulties, you can spend less or even no money, specifically using insurance, taxation and legal tools to reasonably allocate assets. Financial management is the use of financial knowledge and tools to carry out a comprehensive, comprehensive, holistic, personalized, professional, dynamic and long-term financial services according to the needs of customers.

The content of financial management includes cash planning, consumer expenditure planning, education planning, risk management and insurance planning, tax planning, investment planning, retirement pension planning, property distribution planning, etc.

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of financial management, but financial management in the strict sense is actually called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Financial management is a person's management of financial resources in order to achieve their life goals, including cash planning, investment planning, risk management and insurance planning.

Wealth management refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance. Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. If you have any questions, you can click the link below to select the **customer service icon in the upper right corner of the home page, or follow Ping An Bank WeChat*** (Pingan Bank) for consultation.

In a word, anti-inflation. Plus benefits.

To put it simply, we work to make money, and managing money is to make the money we earn work for us more efficiently.

Of course, the premise of financial management is to have money, so working hard and making more money is the first step in financial management; Then there is the habit of saving first and then spending, which is the second step of financial management; Choosing financial tools and allocating funds reasonably according to your needs is the third step of financial management.

Learn a little bit every day, and don't wait until you have money to manage your money.

Wealth management is based on the analysis and collation of income, assets, liabilities and other data, according to the risk appetite and tolerance, combined with the predetermined goals of the use of savings, insurance, foreign exchange, collection, housing investment and other means to manage assets and liabilities, reasonable arrangement of funds, so as to achieve the maximum appreciation of assets within the acceptable range of risk.

Personal finance refers to how to develop a process for the rational use of financial resources to achieve one's life goals. Financial management is the process of formulating, arranging, implementing and managing a financial plan that is coordinated in all aspects in order to achieve one's life goals and ideals.

Financial management is a concept, if you have to add a definition to financial managementThat is to use your own financial awareness, concepts and skills to help yourself maintain the value of the money in your hand, or even appreciate, which is successful financial management. But not everyone can accept this concept of financial management, many people think that money in their own hands, can not be spent, spending out is a loser, only the money tightly, is a good financial personnel. Managing money is not about not spending money, but about spending money.

First, the concept of financial management should be cultivated from an early age, and it is not necessarily how much money you have saved before you manage your finances. For the concept of financial management, some people think that they don't have much money in their hands, and they don't need to manage money at all, in fact, this is also a kind of inaccurate idea, financial management is a concept, not based on whether they have money in their hands as a standard. But as long as you start to spend independently, you can form this concept when there is money flowing, and you can also make money, which is a very important concept.

Even for children, it is important to cultivate their financial intelligence from an early age. <>

Second, financial management is not necessarily all to make money, there are also times when losing money some people think that financial management must be more reasonable, in fact, the wrong financial concepts and ways may also make themselves indebted, so the concept of learning to manage money is important, and learning to manage the subtlety of financial management is also more important, and then it is necessary to have a more peaceful attitude to manage finance, only in this way can we ensure that we can achieve a balance in financial management in the long run. will not be held back by temporary profits and losses, and then affect their decision-making. <>

3. For people who are not good at financial management, they can use a third-party agency to consult professional people to do professional things, and they are always better at doing it than themselves, so for some people, if they are not good at financial management, they can use a third-party agency to help them plan. Of course, you can just listen to their advice, broaden your thinking, financial management can have a certain amount of help and guidance, no matter when, listen to it yourself, in short, there is no harm.

To put it simply, it is to invest your existing funds to get more funds. It can be said to be a way, but it can also be said to be a concept. In short, no matter how you explain it, it is to increase your money.

It is also a very good way to have a national foreign trade platform, and there are many unhealthy situations in the current financial market, all of which are false prosperity. However, this national foreign trade does not belong to the platform of financial management, but it can also be achieved wealth appreciation, and the results can be seen in 30 days, % of profits, in the investment market in general, it is still good! That is, relying on foreign trade exports to obtain profits!

Financial management, as the name suggests, refers to managing finances. When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life.

It has the following implications: Financial management is the management of a lifetime's wealth, not just to solve the urgent money problem. Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow.

Therefore, whether you have money or not, everyone needs to manage their money. Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

Wealth management refers to the management of finances for the purpose of maintaining and increasing the value of finance. Wealth management is divided into corporate finance, institutional finance, personal finance and family finance.

It is that we use our money to go to the bank to buy some wealth management products, and then let these wealth management products help us make money.

It can make our money have a clear plan, and it can make it unnecessary for us to spend useless money. So as to achieve a way to save money.