How Do I Choose the Best Bank Account Software?

Personal financial management software refers to the establishment of a reasonable personal financial plan based on the financial situation, and appropriate participation in investment activities. Investment in personal finance includes: stocks, funds, government bonds, savings, etc.

Personal finance software

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1.

Remember: the purpose of your financial management is not to make money, the activities for the purpose of making money are called investment!

The second is the goal. The goal has also become our debt. We must have a high-quality life and let your assets and liabilities be dynamically matched. This is

Personal financial situation includes: personal income and expenditure, assets, debt,

Life Expenditure Items: Marriage, Children (including child education), Supporting Parents, Pension Medical Housing Travel Movable Non-recurring Expenses

Make reasonable arrangements for your property. Cash and deposit insurance

At the stage of establishing personal assets, you should choose a simple investment institution without risk, and it is best to take a savings approach. Buying a house is an action to build life-long assets, so it should be considered carefully. You should consider your own funds before taking any action to acquire real estate

1. Increase income; 2. Reduce expenditure; 3. Strengthen our ability to improve future living standards; 4. Prepare for retirement pensions.

First, each

How to make a personal financial plan: 1. Determine your goals. Set your short-term financial goals (1 month, half a year, 1 year, 2 years) and long-term financial goals (5 years, 10 years, 20 years). Put aside those unrealistic illusions. If you think something is too big, break it down into smaller specific goals. 2. Discharge order. Determine the order of achievement of the various goals. Discuss with your family what goals are most important to you? 3. Money needed. Calculate how much you need to save each month to achieve these goals. 4 people

Since the 1970s, under the impact of the financial innovation wave, global commercial banks have developed their personal wealth management business rapidly. According to the data, in the past few years, the average annual profit rate of the personal financial services of the banking industry in the United States has reached 35%, and the average annual growth rate is about 12% -15%. From the perspective of the development of personal financial services of banks in developed countries, personal financial services have advantages such as large batches, low risks, wide business scope, and stable operating income. They occupy an important position in the development of commercial banking business. In the Hong Kong Special Administrative Region of China, personal personal financial services have also become the main focus of competition in the banking industry in recent years. Major banks such as Citi, HSBC, Standard Chartered, Hang Seng, and East Asia have launched their own financial packages to provide customers with different incomes. Different services have promoted the continuous improvement of personal financial services on Hong Kong Island.

Development status of personal financial software

1. The development history and motivations of China's commercial bank financial management business In the late 1990s, some commercial banks in China began to try to provide customers with professional investment consultants and personal foreign exchange financial management services. In September 2000, the People's Bank of China reformed the foreign currency interest rate management system to create a policy channel for foreign currency wealth management business. In the following years, foreign exchange wealth management products have been in a dominant position, but the overall scale is not large and there is no competitive market. In November 2004, Everbright Bank launched the "Sunshine Wealth Management Plan B" to invest in the interbank bond market, setting a precedent for domestic RMB wealth management products. The direct reason for small and medium-sized joint-stock commercial banks to be the pioneer in promoting the development of RMB wealth management business was that under the background of the rapid growth of credit investment at the time, small banks' time deposits accounted for a relatively low proportion and lacked a stable source of funds. Ability to alleviate the pressure on funding tightening. Since 2006, with the growing demand for customer wealth management services and the diversified development of market competitors, the market size of banking wealth management products has shown explosive growth. In particular, in the face of fierce competition in the deposit market, state-owned commercial banks have continued to intensify innovation and issuance of wealth management products, and have continued to enrich and extend wealth management brands and sub-products on the value chain. Take Industrial and Commercial Bank of China as an example. From 2005 to 2007, it sold (issued) 1919 billion yuan, 75.5 billion yuan, and 154.4 billion yuan of personal banking wealth management products, with an average annual growth rate of 185.3%. In 2008, only the first half of the year accumulated (issued) ) Sales of personal wealth management products were 559.5 billion yuan, a significant increase of 6.5 times year-on-year. With the advantages of network resources, customer resources, and comprehensive internships, state-owned commercial banks currently occupy the leading position in the domestic wealth management market. It can be seen that the development of wealth management products for commercial banks is the result of the combined effect of internal demand and external environment. Faced with the pressure to change business models, expand income channels, and the fierce market competition environment, commercial banks can only accelerate the pace of innovation in the development of wealth management business, and through the transformation of debt structure and income structure, form a linkage effect between wealth management products and savings deposits. Only in an invincible position in the same industry competition. 2. The evolution of China's commercial bank wealth management product operation model During the initial period of RMB wealth management products, the investment direction was basically fixed income instruments such as inter-bank treasury bonds, central bank bills, and money market funds. In terms of risk management, compared with the initial foreign currency wealth management products, RMB wealth management products are more standardized, and customer funds are isolated from bank-owned funds. It should be said that wealth management products and commercial banks in this period are familiar, focused and have traditional advantages. Depending on the bank's own platform, it can complete functions such as product sales, asset allocation, investment decision-making, clearing and distribution. Since then, due to the lower interest rates in the interbank bond market and the strengthening of the capital market, commercial banks have explored new operating models for wealth management products. First, access to the stock market and industrial investment market through the trust platform. Banks cooperate with trust companies to entrust wealth management funds to trust companies, and trust companies make stock and industrial investments in their own names. After such investment paths have been opened, there are endless innovations in the form of wealth management products, such as new share purchases, transfer of trust beneficiary rights, and asset allocation products made up of products such as bonds, stocks, and trust financing. The second is to launch structured wealth management products in cooperation with foreign financial institutions to achieve investment management covering the global market. In particular, the launch of QDII opened the channel for RMB overseas investment, expanded the radius of resource allocation, and a large number of products linked to interest rates, exchange rates, and stock indexes appeared in the wealth management market. In contrast, since the CITIC Industrial Bank Guangzhou Branch first listed the "Private Financial Center" brand in China in 1996, as the income level of domestic residents has increased, the awareness of financial management has increased, and the size of the personal financial market has continued to expand. Reality. This summer, the Merrill Lynch Global Wealth Report released that in 2003 there were about 236,000 million dollar millionaires in Mainland China, an increase of 12% over the previous year's 210,000. The total wealth held by these rich people has reached 969 billion US dollars. If calculated in Renminbi, nearly 240,000 people will become millionaires. According to the latest research report of Boston Consulting Group (BCG), in 2003, 3.29 trillion of the US $ 6.4 trillion in assets under management in the Asian wealth management market (excluding Japan) came from Greater China. The report even predicts that when the 2008 Beijing Olympic Games will be held in Beijing, the wealth growth rate of Greater China will reach 27% to 4.2 trillion U.S. dollars, and China will surpass Hong Kong and Taiwan as the leading force in the growth of wealth management market. And the result of another widely cited survey in China is from Shanghai: The sample survey showed that most Shanghai residents think that "spontaneous financial planning without expert guidance is very risky"; 87% of the citizens interviewed said they would Accepting financial advice from banks, 32% of the citizens "are most interested in the bank's financial consulting and financial plan design"; 40% believe that "the investment operation of agency clients should be increased and expert services provided", and "hope to Establish stable and regular business contacts with bank financial experts. " From the above survey results, it can be seen that how to manage your finances and make good use of your own money so that they can continuously maintain and increase their value and play a greater role has become a topic of common concern to more and more people who are gradually getting richer. Faced with such a huge market demand, to date, the pace of domestic banks' expansion of high-end and high-end personal wealth management business has not stalled. Personal wealth management business has become a new profit growth point for banks. Chinese and foreign banks have launched their own personal wealth management brands and have launched fierce competition in the personal high-end customer market and financial product innovation.

Personal financial software

Financial management needs to understand their financial situation, and then carry out planning such as investment. At this time, financial management software is needed to record and manage personal financial situation. Financial management software refers to management software that takes financial accounts as the core, adds value and profits for the purpose, uses capital flow as the means, and uses statistical analysis as the decision-making management software. From the perspective of users, there are personal financial management and entrusted financial management. Personal financial software can be divided into personal home and financial planners to do financial analysis tools for customers. Personal finance software is a computer application that helps achieve personal finance. Now common personal financial software can complete functions such as income and expenditure accounting, budgeting, statistical analysis, account management, etc., helping users to better manage personal finances! The operation is simple and the report analysis function allows users to know their financial status at any time. Jiameng's personal information management software has more comprehensive functions in financial planning. It can be used for accounting, budgeting, planning, debt claims, printing statements, etc. It is a financial management software for institutional, corporate, and bank VIP customers, suitable for the general public. Wealth management software is divided into three platforms: PC-side wealth management software, WEB online wealth management and mobile wealth management. Data can be independent and synchronized.