Question 2: What is the concept of financial industry? Financial industry refers to banks and related fund cooperatives, as well as insurance industry. Except for industrial economic behavior, everything related to the economy is the financial industry.
Definition of financial industry: financial industry refers to a special industry that deals in financial commodities, including banking, insurance, trust, securities and leasing.
Characteristics of financial industry
The financial industry has the characteristics of index, monopoly, high risk, interest dependence and high debt management.
1, indicative
Indicators mean that financial indicators 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 central bank, and no unit or individual may set up financial institutions at will without the approval of the central bank; 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 management
High-debt management means that the proportion of self-owned funds is lower than that of general industrial and commercial enterprises. The financial industry plays an important role in the national economy, which is related to economic development and social stability, and has the functions of optimizing the allocation and adjustment of funds, reflecting and supervising the economy. The unique position and inherent characteristics of the financial industry make all countries attach great importance to the development of their own financial industry. China has a process of understanding and developing this. In the past, China's financial industry developed slowly and irregularly. After more than ten years of reform, the financial industry is developing at an unprecedented speed and scale. With the steady growth of economy and the deepening of economic and financial system reform, the development prospect of financial industry is very broad.
The emergence and development of financial industry
The financial industry originated in the Babylonian temple in 2000 BC and the Greek temple in the 6th century BC. From the 5th century BC to the 3rd century BC, money dealers and commercial institutions like banks appeared in Athens and Rome. In Europe, modern banks developed from currency exchange and goldsmith. The earliest bank appeared in Venice, Italy (1580). 1694, Britain established the first joint-stock bank-the Bank of England, which established the most basic organizational form for the development of modern financial industry. Since then, the financial industry in capitalist countries has developed rapidly, which has greatly promoted the accumulation of capital and the concentration of production. 19 at the end of the 20th century, major capitalist countries entered the stage of monopoly capitalism. The mutual penetration of bank monopoly and industrial monopoly capital centered on credit activities forms financial capital, which controls the lifeline of capitalist economy. The starting point of China's financial industry can be traced back to the institutions dealing with credit business in the Zhou Dynasty before 256 BC, which were called "Quanfu" in Zhou Li. In the Southern Qi Dynasty (479 ~ 502), there appeared an institutional "quality bank" that used the collected objects as collateral to lend money, which was later the pawnshop. At that time, it was run by temples, monopolized by nobles in the Tang Dynasty, and private banks appeared in the Song Dynasty. At the end of the Ming Dynasty, private banks (called banks in the north) were once the main body of the financial industry, and later, private banks, official private banks and other financial institutions 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, and the earliest one was Li Ru Bank of England (1845). Subsequently, Macquarie Bank (Standard Chartered Bank) and HSBC Bank, Dehua Bank of Germany, Zhengyin Bank of Yokohama, Japan, Oriental Bank of Credit Suisse Bank of France and Dawson Bank of Russia were established one after another. The first bank founded by China people was China Commercial Bank established by 1897. After the Revolution of 1911, especially after the beginning of the First World War, China's banking industry began to develop rapidly, and banks gradually became the main body of the financial industry, while banks and banks retreated to a secondary position and gradually declined. The development of China's banking industry basically promotes the development of national capitalist industry and commerce. This shows the close relationship between finance and industry and commerce, and its important influence on the national economy. After a long historical evolution, the modern financial industry has changed from a relatively simple form in ancient society. & gt
Question 3: What does the financial industry include? Hehe, this problem is neither too big nor too small.
The financial industry should be subdivided into the following specific industries:
1, banking (including commercial banks, central banks, policy banks, credit cooperatives, urban cooperative banks, etc. )
2. Securities industry
3. Insurance industry
4. Trust industry
5. Fund industry
6. Credit companies
7. Investment banking
8. Pawnbroking is one of the special financial industries.
9. Futures barely count.
Question 4: What are the main responsibilities of financial business promotion: developing new customers and maintaining customer relationships; Achieve the sales target and meet the customer service quality standard of the bank; Hold regular publicity and marketing activities for target customers. Requirements:-Understand the retail business of banks, including credit cards, funds, insurance, etc. , sales experience in banking or financial industry is preferred; -Basic investment consulting and analysis skills; -Good interpersonal communication skills and adaptability; -Good team spirit; -Be strict with yourself and be proactive.
Question 5: What is finance? What types of enterprises does finance include? Finance refers to the issuance, circulation and withdrawal of money, the issuance and recovery of loans, the deposit and withdrawal, the exchange of foreign exchange and other economic activities.
A financial enterprise refers to an enterprise that needs to obtain a financial business license granted by the financial supervision department to conduct business, including policy banks, postal savings banks, state-owned commercial banks, joint-stock commercial banks, trust and investment companies, financial asset management companies, financial leasing companies and some financial companies that need to obtain a banking business license to practice; Securities companies, futures companies and fund management companies that need to obtain securities business licenses to practice; All kinds of insurance companies that need to obtain insurance business licenses.
Question 6: What is a financial enterprise? Financial industry refers to a special industry dealing in financial commodities, including banking, insurance, trust, securities and leasing. The financial industry has the characteristics of index, monopoly, high risk, interest dependence and high debt management. Indicators mean that financial indicators 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. On the one hand, monopoly means that the financial industry is strictly controlled by the central bank, and no unit or individual may set up financial institutions at will without the approval of the central bank; 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. 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". Interest dependence means that financial interests depend on the overall interests of the national economy and are greatly influenced by policies. High-debt management means that the proportion of self-owned funds is lower than that of general industrial and commercial enterprises. The financial industry plays an important role in the national economy, which is related to economic development and social stability, and has the functions of optimizing the allocation and adjustment of funds, reflecting and supervising the economy. The unique position and characteristics of the financial industry make all countries attach great importance to the development of their own financial industry. China has a process of understanding and developing this. In the past, China's financial industry developed slowly and irregularly. After more than ten years of reform, the financial industry is developing at an unprecedented speed and scale. With the steady growth of economy and the deepening of economic and financial system reform, the development prospect of financial industry is very broad.
Question 7: What is financial wholesale banking? Wholesale banking means that banks provide comprehensive financial services for large enterprises, groups, institutions and social groups. In developed countries in Europe and America, wholesale banking has gradually formed banking businesses with investment banking characteristics, such as syndicated loans, mergers and acquisitions, enterprise project financing and securities underwriting, such as the world-famous Deutsche Bank and JPMorgan Chase. International financial news
Question 8: What is the financial industry? The so-called finance is simply the financing of funds, that is, the study of the relationship between money and money, which is strictly defined as follows:
Finance is the general name of currency circulation, credit activities and related economic activities. Finance in a broad sense refers to all economic activities related to the issuance, storage, exchange, settlement and financing of credit currency, even including the sale of gold and silver. Narrow sense of finance refers to the financing of credit currency.
The contents of finance can be summarized as the issuance and withdrawal of money, the absorption and payment of deposits, the issuance and recovery of loans, the trading of gold, silver and foreign exchange, the issuance and transfer of securities, insurance, trust and domestic and foreign currency settlement. Institutions engaged in financial activities mainly include banks, trust and investment companies, insurance companies and securities companies, as well as credit cooperatives, finance companies, investment trust companies, financial leasing companies, securities, gold and silver, foreign exchange exchanges and so on.
The financial industry refers to special enterprises dealing in financial commodities, including banks, insurance, trusts, securities, leasing and pawning.
The financial industry has the characteristics of index, monopoly, high risk, interest dependence and high debt management. Indicators mean that financial indicators 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. On the one hand, monopoly means that the financial industry is strictly controlled by the central bank, and no unit or individual may set up financial institutions at will without the approval of the central bank; 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. 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". Interest dependence means that financial interests depend on the overall interests of the national economy and are greatly influenced by policies. High-debt management means that the proportion of self-owned funds is lower than that of general industrial and commercial enterprises.
Question 9: What is a finance company? Five points are bank trust companies, insurance companies, securities companies, futures companies, fund companies, venture capital and private investment consulting micro-loans, all of which are financial companies.
Business is almost investment and financing, but the return and risk of investment direction are different.
It is nothing more than sales at the front desk, consulting at the middle desk, and financial management at the background.
To go to a bank, you have to take an examination of banking, futures companies have to take an examination of futures, securities and funds have to take an examination of securities, and there should be nothing else.
Question 10: What does a financial salesman do? -
In the financial industry, different companies have different businesses, so it depends on which industry you want to dissolve finance in. Different roles have different people and me, such as a credit salesman, who just needs a lot of customers who need money to bring business to his company.