What's the difference between financial management and ordinary financial management?

What's the difference between financial management and ordinary financial management? ]

This is all about investment, financing and liquidity management, which seems to belong to finance. Financial management pays more attention to the safety of property and the perfection of the system.

Financial management pays more attention to proliferation ability.

In other words, financial management focuses on security, and financial management focuses on investment.

Financial management refers to a comprehensive financial service in which financial professionals jointly define their financial objectives and priorities, define their risk attributes, analyze and evaluate their customers and financial conditions, tailor appropriate financial plans for customers, and implement, monitor and adjust them in time to finally meet their financial needs at different life stages. Financial management can be further subdivided into life management and investment management: designing financial management plans related to life events, including career choice, education, house purchase, insurance, medical care, pension, inheritance, career inheritance and various taxes. Finally realize financial freedom, autonomy and freedom of life. Investment and financial management: on the basis of meeting the basic life goals, invest the funds in various investment tools to obtain reasonable returns and accumulate wealth. Common investment tools include stocks, bonds, funds, financial derivatives, gold, foreign exchange, real estate, works of art, etc. Under the premise of ensuring safety and liquidity, we should pursue the best return on investment, accelerate the growth of personal or family assets and improve the quality of life. Financial management is based on the objective financial activities and financial relations in the process of enterprise reproduction. It is an economic management work and an important part of enterprise management to organize enterprise capital activities and deal with the financial relationship between enterprises and all aspects. Financial management uses value indicators such as capital, cost and income to organize the formation, realization and distribution of value in enterprises, and to deal with the economic relations in this value movement. Therefore, financial management is different from other management. It is a kind of value management and the management of value movement in the process of enterprise reproduction.

What's the difference between afp financial planner and CFP? AFP is a domestic certification and domestic recognition; CFP is internationally recognized.

What is the difference between a financial planner and a financial planner? One is AFP financial planner, an international certificate, which is widely valued by banks and wealth companies, and the cost is about 10 thousand.

One is financial planner, CHFP, national qualification certification, 17 cancelled, and the insurance industry will use it. There is only one exam fee besides applying for classes.

Before the qualification certificate was cancelled, CHFP was still very popular. Now, AFP is better. .

What is the difference between a financial planner and a financial planner ■ National Financial Planner Certificate (ChFP)

In 2003, "Financial Planner" was listed in the National Professional Ceremony, and "National Professional Standard for Financial Planners" was officially released. In March 2005, the Ministry of Labor and Social Security officially launched the national professional qualification examination for financial planners. ChFP certificate is the most authoritative financial planner certificate recognized by China at present, and it is also recognized by most countries in the world.

Suitable for people: employees of banks, insurance companies, securities companies, funds, investment consulting companies and other financial institutions, and personnel in charge of financial management within enterprises.

Certificate level: assistant financial planner (national vocational qualification level 3), financial planner (national vocational qualification level 2) and senior financial planner (national vocational qualification level 1). Among them, the examination qualification of assistant financial planner is relaxed to college students. At present, only the third-and second-level certification of national vocational qualifications has been launched.

Examination content: theoretical knowledge, practical knowledge (professional skills) and comprehensive evaluation (case analysis).

Issued by: Ministry of Labor and Social Security.

■ Certified Financial Analyst (CFA) certificate

CFA certificate, known as "the first test of global finance", is a professional qualification certification in the field of securities investment and management. It was established by American Investment Management and Research Association (AIMR) on 1963. It is the largest professional examination in the world at present, and it is also a necessary certificate for analysts of American heavyweight financial institutions. The certificate is widely recognized in the global financial field and is a passport to enter the banking, investment, securities, insurance and consulting industries.

Suitable for the crowd: CFA exam focuses on the theory of investment and financial analysis, which is more suitable for researchers and investment managers of financial institutions and doctors or masters in finance.

Certificate grade: from low to high, it is divided into three grades, namely first-class certified financial analyst, second-class certified financial analyst and third-class certified financial analyst.

What is the difference between a financial planner and a financial planner? The financial planner is certified by the national vocational qualification (but the national examination has been cancelled), and the financial planner is certified by the association. In contrast, the certification issued by the state is more authoritative.

First, the difference between financial planners and financial planners:

(a) the certification unit is different:

1, the financial planner is a nationally recognized professional qualification certification;

2. The financial planner is certified by the Association.

(2) Different degrees of recognition and authority:

1, financial planner

The national certification is more authoritative. The learning of national financial planners is to sum up the advantages of the west, and then carry out certification training in combination with China's national conditions, so that the learned knowledge is more suitable for domestic use. This is the localization of national financial planners and belongs to national recognition.

2. Financial planner

The examination is relatively difficult, which is more suitable for foreign developed countries. Is internationally recognized, and many domestic companies have recognized it at present.

Second, the financial planner (AFP) follows the standard process of financial management:

1, a professional who helps customers achieve their life goals,

2. Must be able to correctly analyze and evaluate the financial situation of customers.

3. According to the customer's career stage and risk tolerance,

4. Tailor-made reasonable financial planning for customers,

5. Suitable for people: financial practitioners such as banks, securities, insurance, funds and professional wealth management enterprises; Economists, accountants and employees in various industries who are interested in financial planning and intend to become consultants in all-round financial planning.

6. Examination content: CFP certification includes several steps such as training, professional examination and professional ethics evaluation. Among them, the professional examination includes six modules: introduction to financial planning, investment planning, insurance planning, tax planning, retirement planning and employee welfare, and advanced financial planning.

What's the difference between bank financing and internet financing? The first thing to be aware of is the risk. The security of bank financial management is high, but the income is also very low. Bank financing is a product aimed at a bank, which is a collection of hundreds of people. The latter is also developing rapidly under the policy of state support. At that time, there were many problems exposed, but it had a very high advantage in interest rate and flexibility.

There are many specific P2P platforms and some third-party financial platforms. I can't recommend them to avoid advertising suspicion. The above is the answer I know by hand. Specifically, you can learn more about bank financing and internet finance in Baidu Encyclopedia.

The bank's wealth management income is low, and Internet wealth management such as Yijun has high income and good security.

Is there a difference between Internet financing and bank financing? Bank wealth management income is low, the threshold is high, generally 50 thousand, and the liquidity of funds is not strong; Compared with banks, Internet financial management has lower threshold, higher income and better liquidity. For example, the wealth management workshop, starting from 100 yuan, has an expected annualized rate of return of 6%- 13%. They have membership. The higher the membership level, the more benefits you enjoy, and there are new activities every month, and the prizes are quite rich. You can go to official website, a wealth management workshop, to learn more. They have done a good job in risk control and safety. They are one of the few Internet finance companies with ICP certificates in the industry and are very popular among many Internet finance platforms.