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理财(Finance),从字面上理解有打理财产(资产),创造财富之意,即如何积累财富、实现财产(资产)的保值和增值。在国外,有专门提供理财服务的职业——注册理财规划师。理财规划(Financial Planning),是通过测算客户财产规模、预期收益目标和真实风险偏好,有机组合存款、保险、证券和房地产等多种理财工具,最大限度地改善现金不足、
Finance (Finance), literally understand the concept of property management (assets), to create wealth, that is, how to accumulate wealth, property (assets) to preserve and increase value. Abroad, there are specialized services to provide financial services - registered financial planner. Financial Planning maximizes cash shortfalls by measuring the size of clients’ assets, expected return targets and real risk appetite, organic portfolio deposits, insurance, securities and real estate and other wealth management tools,