管理好家庭现有的资产和负债是实现理财目标的重要一环。这里所指家庭资产主要包括现金和具有升值、保值功能的银行存款、有价证券、贵金属(含贵金属手饰)、收藏品、房地产等.也包括价值较高、折旧相对较慢的汽车、加工机 Managing the family’s existing assets and liabilities is an important part of meeting the financial goals. Household assets referred to here mainly include cash and bank deposits with appreciation and hedging functions, securities, precious metals (including precious metal ornaments), collectibles, real estate, etc. Vehicles with higher value and depreciation depreciation, processing machine