What industries does finance mainly include?

The financial industry includes banking, insurance, trust, securities and leasing.

1. The financial industry is subdivided into many sectors, mainly including banking, securities, insurance, funds, futures, trusts, foreign exchange, commodities, precious metals, financial leasing, asset management and loans. Some of them can be subdivided. For example, securities can be divided into equity and creditor's rights, commodities can be divided into spot and futures, and loans can be divided into microfinance, mortgage and factoring.

Two, the financial industry has the characteristics of index, monopoly, high risk, interest dependence and high debt management.

1, indicators: indicators refer to financial indicators that reflect the overall and individual situation of the national economy from all angles, and the financial industry is a barometer of the development of the national economy.

2. Monopoly: On the one hand, monopoly means that the financial industry is strictly controlled by the government. Without the approval of the central bank, no unit or individual may set up financial institutions at will. On the other hand, it refers to the relative monopoly of specific financial business. Credit business is mainly concentrated in the four major commercial banks, securities business is mainly concentrated in national securities companies such as Cathay Pacific, Huaxia and Nanfang, and insurance business is mainly concentrated in PICC, Ping An and Pacific Insurance.

3. High risk: High risk means that the financial industry is a distribution center for huge amounts of money, involving all sectors of the national economy. Any mistakes in business decisions of units and individuals may lead to "domino effect".

4. Interest dependence: Interest dependence means that financial interests depend on the overall interests of the national economy and are greatly influenced by policies.

5. High-debt operation: High-debt operation means that the ratio of self-owned capital is lower than that of general industrial and commercial enterprises.