Some individual proprietor feels that the business is difficult to do and has the intention of changing careers. However, due to the lack of funds, the bank financial planner suggests that we should make use of the bank's personal comprehensive revolving loan to solve the financing problem.

Hello, dear readers, how to accumulate funds for financial reform?

I am 32 years old and married without children. My wife and I have opened a small garment factory. The monthly income is not stable. The peak season can be up to 50 thousand ~6 yuan / month. In the off-season, it may only be 5000~6000 yuan / month.

I bought a shop in 1999. The purchase price is 400 thousand yuan, and now the market value is about 700 thousand yuan. The pavement is now self occupied, with another set of commercial housing, about 80 square meters, and the total price of the house is around 280 thousand yuan. At present, there are still no more than 60 thousand yuan loan, and the monthly payment is about 1300 yuan.

Both parents have pensions, basically do not need our burden, but every year will honor the elderly 50 thousand ~6 million yuan.

After deducting all the expenses, the net profit is about 200 thousand yuan.

Now, business is becoming more and more difficult, and losses began last year.

There is no cash deposit in the family, all the funds are used for business turnover, only about 600 thousand yuan in stock, but now they are in a state of loss.

I would like to ask the financial secretary, according to our current situation, how should we manage our finances?

And because the clothing business is not as good as a year, it may also be faced with a change in the future. How should we accumulate funds for the next stage?

According to Mr. Peng's situation, it is suggested that family financial management can be divided into two parts: the first part is personal assets investment proposal, and the main plan is rational planning; the second part is to make capital preparations for the pition, and make full use of the bank's small comprehensive credit revolving loan financing.

1. personal assets investment advice: from the perspective of family assets, Mr. Peng has not prepared an emergency fund for his family. In case of emergency, he may face family financial crisis. He proposes to reserve 3~6 months' living expenses as a preparation for family emergency fund.

From the point of view of investment, Mr Peng's investment channels are too single, mainly based on stock investment.

Because Mr. Peng usually has to deal with the clothing factory's business, he has no time to take account of the stock market, and invest all the funds into the stock market. The risk is too large. He suggests selling stocks on hand and selling them to some investment products of experts, such as bank's RMB financial products and fund products.

The preparation for the 2. pfer fund: as the clothing business is becoming more and more difficult, Mr. Peng intends to accumulate the funds needed for the pfer.

This can be achieved through bank loans. Mr. Peng can consider making mortgage loans to banks for the "comprehensive credit loan business of individual customers". The business is simple and flexible, and can be used for several times in the credit period. The loan has various uses and the longest period can be up to 5 years.