2nd
Two financing is planned
Two financing is planned (1)In the seventies of the 20th century, planned to appear in U.S.A. at first, mainly solved the problem of how to evade payment of duty rationally for the public of U.S.A. at that time in financing. Plan to stay on the basis of financial advisor, has not formed the operation sequences of theory and unity of establishing one’s own system in early financing. So not only customer clear, engaged in personnel that financial advisor serve clear financing plan with financial difference of advisor either a little.
Manage money matters planning designer association establish in U.S.A. first 1985, Britain immediately in 1986, Japan establish by association, planning designer of financing, that country approve on 1987.
” world managed money matters in planning designer’s association ” in 1990 Establish. Professional ethical standard that a planning designer makes the unity that this association manages money matters, competent at the ability standard and practical operation standard. Under the total principle, the member of all nations and regions association and organization makes the concrete standard according to the economy of each country, political system, the norm manages money matters a planning designer registers the procedure, a planning designer has an examination to hold and manage money matters, award and manage money matters in planning designer’s certificate. It is diagnosed first that in the developed country, “, and then plan, implement again, the end is assessed ” Financings professional plan serve already more last development trends of field financials personal accepting widely.
At present, the financing planning designer of China’s Mainland organizes the process untiringly hard, have already obtained the mandate that world managed money matters in planning designer’s association, has had an examination and carried on qualification authentication in run-up of China’s Mainland. The insider expects, the financing planning designer of China will break out from outstanding investment securities talent, insurance agent and bank’s customer’s manager soon.
From China produced the over-the-counter trading of the stock the eighties of the 20th century, Chinese begin to try through investing in the method to make money besides salary. In following 20 years, various financial products and real estate projects emerge like the mushrooms after rain, the investment market has got considerable development, people begin to talk about ” manage money matters ” at the same time This word. But, what is the real financing? What differences do investment and financing have? A lot of people do not know. Observe according to the author, all ” manage money matters ” on the market now All ask you to do shopping, let you make the investment. Even if is a money-managing centre of the bank, pile up various financial products together, it is a financial supermarket at most. Chinese all know ” know yourself as well as the enemy “, ever-victorious ” Reason,it but not involve it make the investment,investor can fall into ” it is the getting more intimate neither, do not know him “ Poverty-stricken condition. Subjectively, possess financial affairs analyze knowledge is unable to differentiate one’s own financial situation genus normal, having undertaken the too big investment risk, or too conservative idle asset; Objectively, because investment variety is numerous and complicated and complicated, the price of quotations is fast changing, ordinary investors have no energy to care about one’s own investment constantly, the future trend of what is there is no professional knowledge to judge the quotations. In this case pass and say or according to the brave investment for the moment, ride the blind horse like the blind person, neither will bring incomes but also may suffer losses. I think “ Invest in ?ù and manage money matters “ ,It is a means to realize financing to make the investment, can’t replace and manage money matters. If the fault “ Make the investment ” Regard as ” manage money matters ” ,Not managing money matters and making the investment, its essence is to gamble through the financial product, and common” Nine for ten gamble fails “ . So, nobody really helps you to ” pay attention to ” up until now Exceed ” the wealth ” .
The real financing is also called “ The financing is planned “ ,Emphasize one “ Pay attention to ” The word, divide it in order that ” the financial affairs manage money matters ” (quantity the body is customized) With ” invest in and manage money matters “ (independent view, comparative study) Two parts. ” the financial affairs manage money matters “ (quantity the body is customized) Demand, manage money matters planning designer on the basis of collecting customer’s financial materials in detail, make an inventory and clear up cash revenue and expenditure, assets state and investment variety of individual and family, find the existing problem, change unreasonable expenses and investment; Test personal psychological endurance, construct optimum assets to dispose and make up, make the investment which accords with one’s own characteristic and guarantee plan, and put forward the solution to each unique financial difficult problem of the customer, it is a financial doctor that its role can be compared to.