What does the financial industry include

Question 1: What does the financial industry include The main three categories: banking, investment, insurance. Specifically, there are many: banks, securities, insurance, finance companies, leasing, etc.

Direct financing is not through the intermediary financing, capital users and capital owners directly financing relationship (lending and borrowing relationship), indirect financing through intermediaries. The banking industry is indirect financing, the securities industry is mainly direct financing, and the insurance industry is also indirect financing

The sale and purchase of funds is indirect financing, because the investor buys the fund, and the fund operator carries out the financing in the capital user.

Question 2: What are the financial institutions? 1, according to the status and function of the four major categories of hunger:

The first category, the central bank, China's central bank that is the People's Bank of China.

The second category, banks. Including policy banks, commercial banks, village banks.

The third category, non-bank financial institutions. It mainly includes state-owned and joint-stock insurance companies, urban credit cooperatives, securities companies (investment banks), finance companies, and third-party wealth management companies.

The fourth category is foreign-funded, overseas-funded and Sino-foreign joint venture financial institutions operating in China.

2. According to the management status of financial institutions, they can be divided into financial regulators and financial enterprises under supervision.

For example, the People's Bank of China, the Banking Regulatory Commission, the China Insurance Regulatory Commission, and the Securities Regulatory Commission are the organizations that exercise financial regulatory authority on behalf of the state, and all other financial enterprises such as banks, securities firms, and insurance companies must be subject to their supervision and management.

3. According to whether they can accept public deposits, they can be divided into depository financial institutions and non-depository financial institutions.

Depository financial institutions mainly through the form of deposits to the public in the form of debt and access to its sources of funding, such as commercial banks, savings and loan associations, cooperative savings banks and credit unions, etc., non-depository financial institutions are not allowed to absorb the savings deposits of the public, such as insurance companies, trust financial institutions, policy banks and various types of securities companies, finance companies and so on.

4, in accordance with whether or not bear the national policy financing tasks, can be divided into policy financial institutions and non-policy financial institutions. Policy financial institutions refer to the institutions invested and founded by *** and engaged in financial activities in accordance with the intentions and plans of ***. Non-policy financial institutions do not undertake national policy financing tasks.

5, according to whether belongs to the banking system, can be divided into bank financial institutions and non-bank financial institutions; according to the capital of the country attributes, can be divided into domestic financial institutions, foreign financial institutions and joint venture financial institutions; according to the country, can also be divided into national financial institutions, foreign financial institutions and international financial institutions.

Question 3: What industries are included in finance? Oh, this question is not too big or small. The financial industry should be able to be subdivided into the following specific industries: 1, the banking industry (including commercial banks, central banks, policy banks, credit unions, city cooperative banks, etc.) 2, the securities industry 3, the insurance industry 4, the trust industry 5, the fund industry 6, finance companies 7, the investment banking industry 8, pawnbroking industry is also considered one of the special gold booking industry 9, futures is barely counted

Question four: the financial industry What industries are included? The financial industry should be able to be subdivided into the following specific industries: 1, the most typical banking industry (including state-owned banks, commercial banks, central banks, policy banks, credit unions, city cooperative banks, etc.); 2, the securities industry; 3, the insurance industry; 4, the trust industry; 5, the fund industry; 6, finance companies; 7, the investment banking industry; 8, pawnbroking industry is also considered to be one of the special financial industry; 9, futures.

Question 5: What industries are included in the financial industry? The financial industry refers to banks and related capital cooperatives, and the insurance industry, in addition to industrial economic behavior, other than those related to the economy is the financial industry.

The financial industry is a special industry that deals with financial commodities, and it includes banking, insurance, trust, securities and leasing.

Finance is ubiquitous and has formed a huge system, finance involves a wide range of categories, branches and content, such as money, securities, banking, insurance, capital markets, derivative securities, investment management, a variety of funds (private and public), balance of payments, financial management, trade finance, real estate finance, foreign exchange management, risk management, and so on.

Question 6: What careers are included in the financial industry i. Central (People's) Bank, Banking Regulatory Commission, Securities Regulatory Commission, Insurance Regulatory Commission, which are the regulatory and supervisory bodies of the financial industry.

Entering the industry supervision and management department as a financial official should be the first choice for finance graduate students. First of all, China's financial science is based on macroeconomics, based on the financial market macro-regulation, professional application is easier to start, the policy grasp is more in place; Secondly, in the industry management department to do on three or five years and then into the practice of the organization at least to give a position above the middle level. The limitation is: to enter these industry authorities is more difficult, may also need background support, undergraduates want to enter the more difficult, unless I am really very good.

Second, commercial banks, including the four major banks and joint-stock commercial banks, city commercial banks, foreign banks in the domestic branch.

First of all, the four state-owned commercial banks are a good choice for graduates. Because of a certain amount of experience in the banking industry, professional background, and then to the joint-stock commercial banks or foreign banks in China will increase the possibility. Many students are initially committed to the state-owned four major banks, after the rapid development of urban joint-stock commercial banks, they have jumped ship and become the backbone of urban commercial banks, joint-stock commercial banks, many become middle management, a few become senior leaders. The flexibility and pragmatism of the city commercial banks and joint-stock commercial banks, and the way of appointing cadres without prioritizing seniority, have made the big four banks the "Whampoa Military Academy" for their professionals, and this situation is still going on to this day. In addition, although the four state-owned banks have some legacy of bureaucratic practices, but its stable income, lighter pressure, a higher level of welfare is still attractive, especially for female students is a good choice. It is recommended that friends interested in the four state-owned commercial banks focus their professional direction on commercial bank management, international finance, monetary policy and other directions.

Third, the State Development Bank, China Agricultural Development Bank and other policy banks.

Policy banks such as development banks, agricultural development bank is also a better choice, but the nature of their work is similar to civil servants, financial services is not outstanding, is to rely on the policy to eat the place, for the benefit of the individual's career relative to the industry regulators, commercial banks are still weak, if you want to be in the financial sector into the climate of the moment is best not to choose such a unit. However, at present, the salary level of these units is better than commercial banks, and this has become the highlight of the attraction of the graduates' eyes.

Fourth, securities companies (including fund management companies), trust and investment companies, financial holding groups and other risky financial companies.

Securities, trusts, funds, these three are relying on risk management to eat, there is a systemic risk factor in the industry, but a thriving, relatively easy to make money, high short-term returns (risk is also large), and according to the real business management mechanism, if you want to develop in the professional aspects of the development of some achievements in the industry to do is an excellent choice, a lot of fund managers, investment banking managers have an annual salary of over Many fund managers and investment bank managers earn more than a million dollars a year. Difficulty is that the educational requirements are gradually increasing, the minimum requirement of master's degree, relative to banks and other financial institutions, their personal investment management, financial operations ability to require more, if interested in these industries, you can choose the securities investment, financial markets, financial engineering professional direction, if it is learning financial management, master's degree program in law (undergraduate financial and economic), this is also a good choice. The recent re-emergence of the trust industry, for financial professionals and other professional graduates to add a new choice, and its large investment banking operations strategy, and its use of personnel in the pursuit of the elite route, in the investment industry, there is a saying that "80 percent of the company's profits is less than five percent of the staff to create". The above three current employment idea is to actively poach, in the financial industry is the strongest mobility of personnel in these three. Aspiring risk management, running around all day, perennial stomach ache, the residence of the elite talent may choose this industry. Of course, it can not be denied that this industry gives you the return compared to the input is still proportional. It is recommended that male students choose this industry, should be more development.

Fifth, the four major asset management companies, financial leasing, guarantee companies.

The four major asset management companies are similar to policy banks, and the purpose and role of their establishment is gradually fading. Financial leasing, guarantee the rapid development of this industry, you can consider entering, of course, if there are in the bank, securities experience, into this industry should be more as.

Six, insurance companies, insurance brokers. Social Security Fund Management Center or Social Security Administration.

Insurance companies can refer to the analysis of commercial banks, do a few years, there are insurance marketing, risk management experience after the rapid growth of domestic joint-stock insurance institutions, ...... >>

Question 7: What companies are included in the financial scope? Financial scope, refers to the financial industry belonging to the business are what types of organizations services.

First of all, financial institutions refers to financial intermediaries engaged in the financial services industry, as part of the financial system, the financial services industry (banking, securities, insurance, trust, fund and other industries) and this corresponds to the financial intermediaries also include banks, securities firms, insurance companies, trust and investment companies and fund management companies. It also refers to lending institutions that issue loans to customers for financial turnover, and their interest rates are relatively higher than those of banks, but it is more convenient for customers to borrow money because they don't need complicated documents to prove it.

Secondly, according to different criteria, financial institutions can be divided into different types:

1, according to the status and function of the four major categories:

The first category, the central bank, China's central bank, the People's Bank of China.

The second category, banks. Including policy banks, commercial banks, village banks.

The third category, non-bank financial institutions. It mainly includes state-owned and joint-stock insurance companies, urban credit cooperatives, securities companies (investment banks), finance companies, and third-party wealth management companies.

The fourth category is foreign-funded, overseas-funded and Sino-foreign joint venture financial institutions operating in China.

2. According to the management status of financial institutions, they can be divided into financial regulators and financial enterprises under supervision. For example, the People's Bank of China, the Banking Regulatory Commission, the China Insurance Regulatory Commission, the Securities Regulatory Commission and so on are the organizations that exercise financial regulatory power on behalf of the state, and all other banks, securities companies and insurance companies and other financial enterprises must accept their supervision and management.

3. According to whether they can accept public deposits, they can be divided into depository financial institutions and non-depository financial institutions. Depository financial institutions mainly through the form of deposits to the public in the form of debt and access to its sources of funding, such as commercial banks, savings and loan associations, cooperative savings banks and credit unions, etc., non-depository financial institutions are not allowed to absorb the public's savings deposits, such as insurance companies, trust financial institutions, policy banks, and various types of securities companies, finance companies and so on.

4, in accordance with whether or not bear the national policy financing tasks, can be divided into policy financial institutions and non-policy financial institutions. Policy financial institutions refers to the *** investment founded, according to the *** intention and plan to engage in financial activities. Non-policy financial institutions do not undertake national policy financing tasks.

5, according to whether belong to the banking system, can be divided into bank financial institutions and non-bank financial institutions; according to the funding of the country attributes, can be divided into domestic financial institutions, foreign-funded financial institutions and joint venture financial institutions; in accordance with the country belonging to, but also can be divided into national financial institutions, foreign financial institutions and international financial institutions.

6. In 2010, the People's Bank of China (PBOC) issued the Code for Financial Institutions (hereinafter referred to as "the Code"), which unified the classification standards of financial institutions in China at the macro level, clarified the scope of financial institutions in China for the first time, defined the specific composition of various types of financial institutions, and standardized the way of coding and methods of statistical coding of financial institutions.

The Code categorizes financial institutions as follows:

i. Monetary authorities: 1) The People's Bank of China (PBOC); and 2) State Administration of Foreign Exchange (SAFE).

Second, the regulatory authorities: 1, China Banking Regulatory Commission; 2, China Securities Regulatory Commission; 3, China Insurance Regulatory Commission.

Third, the banking industry depository financial institutions: 1, banks; 2, urban credit cooperatives (including associations); 3, rural credit cooperatives (including associations); 4, rural capital mutual aid societies; 5, finance companies.

Fourth, the banking industry, non-depository financial institutions: 1, trust companies; 2, financial asset management companies; 3, financial leasing companies; 4, automobile finance companies; 5, loan companies; 6, money brokers.

V. Financial institutions in the securities industry: 1, securities companies; 2, securities investment fund management companies; 3, futures companies; 4, investment consulting companies.

VI. Financial institutions in the insurance industry: 1, property insurance companies; 2, life insurance companies; 3, reinsurance companies; 4, insurance asset management companies; 5, insurance brokers; 6, insurance agencies; 7, insurance adjusters; 8, corporate annuities.

VII. Trading and clearing financial institutions: 1. exchanges; 2. registration and clearing organizations.

VIII. Financial holding companies: 1, central financial holding companies; 2, other financial holding companies.

IX. Emerging Financial Enterprises: 1, microfinance companies; 2, third-party financial management companies; 3, integrated financial services companies. ... >>

Question 8: The financial industry includes what specialties Finance, I have international finance and urban finance in college, securities investment, I do not know what is there now. Basic textbooks are generally available: monetary banking, finance, Western economics, economic law, tax law, accounting, etc., and then learn the subsection of each door, the school has a different focus is also different. If the financial school of finance, it is estimated to focus on financial aspects, if it is a pure financial school, will be more specialized, it is recommended that you enroll in a professional bank directly under the financial school (financial school is generally specialized, with the customs specialties, the same as, hard to test, you get into the undergraduate is not necessarily to get into the financial school, at least when we were young is this way, and also package allocation, heh), for example, the People's Bank of direct financial school, may focus on auditing and auditing, and may be able to focus on the audit and auditing, and then study the subsection of each door, different schools focus on different it. For example, the People's Bank of China directly under the financial school, may focus on auditing and auditing, bank management, etc., if the Bank of China's financial school may focus on foreign exchange banking. You see for yourself. Textbooks are generally written by the teachers of the school or procured from academics who are more well-known and objective. Generally, the school professor's teaching materials are more up-to-date with the situation, the sample teaching materials may be backward

Question 9: The financial industry includes those projects? The financial industry refers to the special enterprises that deal with financial commodities, which includes banking, insurance, trust, securities, leasing and pawnbroking.

1, the financial industry after a long period of historical evolution, from the ancient society is relatively single form, and gradually developed into a variety of categories of financial institutions system. In the modern financial industry, all types of banks occupy a dominant position. Commercial banks are the earliest and most typical form of modern banks, city banks, deposit banks, industrial banks, mortgage banks, trust banks, savings banks, etc., although they are operating in the financial business, but the nature of the business is often a big difference, and, the financial authorities tend to limit the scope of their business. Modern commercial banks are generally engaged in a combination of financial services. In addition to having a large number of branches in their own countries, large commercial banks often have branches abroad, thus becoming global transnational banks. Modern large commercial banks are usually the financial centers of large monopolistic consortia. Shareholding companies have become an important form of organization of the financial industry in contemporary developed capitalist countries.

Different from the nature of commercial banks are specialized banks. Specialized banks are generally funded or supervised by the state (***). Its business, especially the credit business, mostly focused on one or several industries, and to focus on supporting the development of certain industries for the purpose of business.

2, the establishment of the central bank is a milestone in the history of the development of the financial industry. In the modern financial industry, the central bank is in a dominant position. It is the bank of currency issuance, the bank of *** and the bank of banks, responsible for the formulation and implementation of the country's financial policy, regulating currency circulation and credit activities, and generally is also the management and supervision organs of financial activities.

3, in addition to banks, the modern financial industry also includes a variety of mutual and cooperative financial organizations (such as cooperative banks, mutual banks, credit cooperatives or credit combinations, etc.), finance companies (or merchant banks), discounting companies, insurance companies, securities firms, financial consulting firms, specialized savings and remittance institutions (Savings and Loan Bureau, Postal Savings and Remittance Bureau, etc.), pawnbroking industry, gold and silver industry, financial exchange ( Securities exchange, gold exchange, foreign exchange transfer market, etc.) and credit assessment companies and so on. The modern financial industry has been very modernized means of operation, electronic computers and automated services have been quite popular.

4, the financial industry - characteristics

Indicative

Indicative refers to the financial indicators of the data from various perspectives to reflect the overall and individual conditions of the national economy, the financial industry is a barometer of the development of the national economy.

Monopoly

Monopoly on the one hand means that the financial industry is a *** strictly controlled industry, without the approval of the Central Bank, no unit or individual is allowed to open a financial institution at will; finance on the other hand refers to the relative monopoly of the specific financial business, the credit business is mainly concentrated in the four major commercial banks, the securities business is mainly concentrated in the national securities companies, such as Cathay Pacific, Huaxia and Southern, the insurance business is mainly concentrated in the national securities companies, and the insurance business is mainly concentrated in the national securities companies. securities companies, and insurance business is mainly concentrated in PICC, Pingbao and Taibao.

High-risk

High-risk refers to the fact that the financial industry is a distribution center for huge sums of money and involves all sectors of the national economy. Units and individuals, any error in its business decisions may lead to a "domino effect".

Benefit dependence

Benefit dependence means that the financial benefits depend on the overall efficiency of the national economy, greatly influenced by policy.

Question 10: What is the concept of the financial sector The financial sector refers to banks and related capital cooperatives, and the insurance industry, in addition to industrial economic behavior, other than the economy is related to the financial sector.

Definition of the financial industry: the financial industry refers to the operation of financial commodities of the special industry, which includes banking, insurance, trust, securities and leasing.

Characteristics of the financial industry

The financial industry is characterized by index, monopoly, high risk, benefit dependence and high-debt operation.

1. Indicative

Indicative refers to the financial indicator data from all angles to reflect the national economy as a whole and the individual situation, the financial industry is a barometer of the development of the national economy.

2. Monopoly

Monopoly on the one hand means that the financial industry is *** strictly controlled industry, without the approval of the central bank, any unit or individual is not allowed to open a financial institution; on the other hand, it refers to the relative monopoly of the specific financial business, the credit business is mainly concentrated in the four major commercial banks, the securities business is mainly concentrated in the national securities companies, such as Cathay Pacific, Huaxia and Southern, and the insurance business is mainly concentrated in the national securities companies, and the insurance business is mainly concentrated in the national securities companies. The credit business is mainly concentrated in the four major commercial banks, the securities business is mainly concentrated in national securities companies such as Guotai, Huaxia and Nanfang, and the insurance business is mainly concentrated in PICC, Pingbao and Taibao.

3. High Risk

High risk refers to the financial industry is a huge amount of money distribution center, involving all sectors of the national economy. Units and individuals, any failure in its business decisions may lead to "domino effect".

4, benefit dependence

Benefit dependence refers to the financial benefits depend on the overall efficiency of the national economy, greatly influenced by policy.

5, high debt operation

High debt operation is relative to the general business enterprises, the ratio of its own funds is low. The financial industry in the national economy is in a position to affect the whole body, the relationship between economic development and social stability, with the optimization of capital allocation and regulation, reflecting the role of economic supervision. The unique position and inherent characteristics of the financial industry have made all countries *** attach great importance to the development of their financial industries. Our country has had a process of understanding and development in this regard. In the past, the development of China's financial industry was both slow and unstandardized, and after more than a decade of reform, the financial industry has grown at an unprecedented speed and scale. With the steady growth of the economy and the deepening of economic and financial system reform, the financial industry has a bright future.

The emergence and development of the financial industry

The financial industry originated in 2000 BC Babylonian temples and Greek temples in the 6th century BC money custody and interest lending business. The 5th to 3rd century BC in Athens and Rome have appeared in the silver and money dealers and commercial institutions similar to banks. In Europe, modern banks developed out of the money-changing and goldsmithing industries. The earliest bank was the Bank of Venice in Italy (1580), and in 1694 the first joint-stock bank, the Bank of England, was established in England, which established the most basic form of organization for the development of the modern financial industry. Since then, the financial industry of various capitalist countries developed rapidly and played a great role in accelerating the accumulation of capital and the concentration of production.At the end of the 19th century and the beginning of the 20th century, the major capitalist countries entered the stage of monopoly capitalism. The banking monopoly centered on credit activities and the industrial monopoly capital interpenetrated with each other, forming financial capital and controlling the lifeblood of the capitalist economy. The beginning of the financial industry in China can be traced back to the Zhou Dynasty before 256 B.C., when there was an organization that handled credit and loan business, which was called "Quanfu" in the Rites of the Zhou. In the Southern Qi Dynasty (479-502), there appeared to collect the physical as collateral for lending institutions "quality library", that is, the later pawnshops, then operated by the temple, to the Tang Dynasty to the monopoly of the aristocrats, the Song Dynasty, the emergence of the private quality library. At the end of the Ming Dynasty, money changers (known as yinhao in the north) were the mainstay of the financial industry, and then other financial institutions such as ticket houses and official silver enamel houses appeared one after another. Due to the long-term feudal rule, modern banks appeared late in China. After the Opium War, foreign banks began to enter China, the earliest being the British Leroy Bank (1845). The earliest was the British Liru Bank (1845), followed by the British McAuley Bank (i.e., the Standard Chartered Bank) and the HSBC Bank, the German Dewa Bank, the Japanese Yokohama Shokin Bank, the French Oriental Exchange Bank, and the Russian Chinese-Russian Daosheng Bank. The first bank founded by the Chinese themselves was the China Merchant Bank in 1897. After the Xinhai Revolution, especially after the beginning of the First World War, China's banking industry began to have faster development, banks gradually became the main body of the financial industry, the money changers, ticket companies and other corresponding secondary position, and gradually declined. The development of China's banking industry is basically with the development of national capitalist industry and commerce to promote each other. This shows the close connection between the financial industry and industry and commerce, and its important influence on the national economy. Modern financial industry The financial industry has evolved over a long period of time, from a relatively homogeneous form in ancient society ...... >>