Study On Individual Financial Managing Products And Risk Control Of China

With the growing of economy and society, the financial managing knowledge becomes investors'necessary course. The uncertainties in the process of financial management highlight the importance of product selection and risk control. Therefore, we need to emphasize the study of investment techniques and risk control strategy to achieve a balance appropriate to risk. It's very important not only for the country but for the financial institutions and ordinary individual investors. It has a practical significance for investors'wealth-growing and the country's achievement of a harmonious society.With the personal financial management as the research object, based on the modern financial theory, in this paper we compare the development of personal financial services internal and external, analysis our shortage in this field and point out the direction. This paper presents the factors that affect the selection of financial products and the specific substantive of products'selection for investors by identifying the existing personal financial products. It also put forward specific measures to control and circumvent risk from the regulatory authorities, financial institutions and investors.This paper presents that we need to continuously study the advanced experience both at home and abroad, take the strength of others to make up our own weakness in order to improve the level of development of financial operations and return investors. Investors should know investment-related theory appropriately, participate in national economic life actively and strengthen risk control, So that investment products can be healthy and we can achieve the goal of financial freedom.