The financial industry refers to special enterprises that operate financial products, including banking, insurance, trust, securities, leasing and pawn industries. The financial industry has the characteristics of index, monopoly, high risk, benefit dependence and high debt operating characteristics. Indicability means that financial indicator data reflects the overall and individual conditions of the national economy from all angles. The financial industry is a barometer of the development of the national economy. Monopoly refers to the fact that the financial industry is an industry strictly controlled by the government. Without the approval of the central bank, no unit or individual is allowed to open financial institutions at will; on the other hand, it refers to the relative monopoly of specific financial businesses, and credit business is mainly concentrated. Among the four major commercial banks, the securities business is mainly concentrated in national securities companies such as Cathay Pacific, Huaxia, and Southern China, and the insurance business is mainly concentrated in PICC, Ping An and China Pacific Insurance. High risk means that the financial industry is a distribution center for huge amounts of funds, involving all sectors of the national economy. Organizations and individuals, any mistakes in their business decisions may lead to a "domino effect." Benefit dependence means that financial benefits depend on the overall benefits of the national economy and are greatly affected by policies. High debt operating performance means that compared with general industrial and commercial enterprises, their own capital ratio is lower. The financial industry plays an important role in the national economy, affecting economic development and social stability. It plays the role of optimizing capital allocation and regulating, reflecting and supervising the economy. The unique status and inherent characteristics of the financial industry make governments of all countries attach great importance to the development of their own financial industry. Our country has a process of understanding and development of this. In the past, the development of my country's financial industry was slow and irregular. After more than ten years of reform, the financial industry has grown at an unprecedented speed and scale. With the steady growth of the economy and the deepening of the reform of the economic and financial systems, the financial industry has bright prospects for development.