The financial industry is mainly divided into three categories: banking, investment, and insurance.

It can be subdivided into the following specific industries:

1. Banking industry (including commercial banks, central banks, policy banks, credit unions, urban cooperative banks, etc.)

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2. Securities industry

3. Insurance industry

4. Trust industry

5. Fund industry

6 , financial companies

7. Investment banking industry

8. The pawn industry is also one of the special financial industries

9. Futures

The financial industry is an important sector in the service industry. It is estimated that millions of people are employed in China and the wealth created exceeds one trillion yuan every year.

What is the current development status of the financial industry?

Bond market:

In the three years from 2009 to 2011, the issuance volume of China’s bond market was 8,647.5 billion yuan respectively. , 9,508.8 billion yuan and 6,962.5 billion yuan. Among them, the issuance scale in 2009 and 2010 increased by 157.48 and 2.4361 billion yuan respectively compared with 2008 (the issuance scale decreased in 2011, mainly due to the rapid reduction in the issuance of central bank bills). Among them, the number of bonds issued by non-financial enterprises (including corporate bonds, short-term financing bonds, and medium-term notes) was 1,574.9 billion yuan, 1,529.3 billion yuan, and 1,533.3 billion yuan, respectively, an increase of more than 80% over 2008.

Under the self-regulatory management model, my country has successively launched innovative products such as medium-term notes, short-term financing bonds for small and medium-sized enterprises, U.S. dollar medium-term notes, collective notes for small and medium-sized enterprises, ultra-short-term financing bonds and non-public directional debt financing instruments. It has been generally welcomed and praised by market participants. According to statistics from the Bank for International Settlements, my country's bond market has remained fifth in the world and second in Asia for several consecutive years.

Insurance industry:

For the insurance industry, 2011 was a year of joy and sorrow for some. As of the end of March, the 2011 annual reports of the four major A-share listed insurance companies have all been released, with a total operating income of 901.446 billion yuan, a year-on-year increase of 9.61%; a net profit of 52.266 billion yuan, a year-on-year decrease of 16.59%, and a year-on-year growth rate that was lower than that of 2010. 13.53 and 25.28 percentage points.

Specifically, Ping An of China performed best, with operating income, net profit and net profit attributable to the parent company increasing by 31.4%, 25.89% and 12.5% ??respectively, while these three data of China Life declined respectively. 0.87%, 45.31% and 45.49%.

Listed companies:

51 Report online data shows that the total operating income of 1,324 listed companies that have published annual reports in 2011 was 17.47 trillion yuan, and the net profit income was 1.74 trillion yuan. , with year-on-year growth of 23.76% and 13.66% respectively. In 2010, the total revenue growth and net profit growth of these companies reached 35.43% and 39.82% respectively. Unlike the overall performance decline of A-shares, the banking industry still maintained a strong growth momentum in 2011.

As of the end of March, except for Bank of Nanjing, Bank of Beijing, China Everbright Bank and Bank of Ningbo, the remaining 12 listed banks have announced their 2011 annual reports. These 12 banks achieved a total operating income of 21,500 in 2011. billion, accounting for 12.32% of the total operating income of 1,324 listed companies; the net profit achieved was 848.9 billion yuan, which means an average daily income of 2.326 billion yuan, accounting for 48.79%.

Auto finance industry:

The auto finance industry refers to commercial banks, auto finance companies, insurance companies, trust alliance organizations and their related service organizations as business entities, providing services to consumers, The field of market operation activities in which automobile manufacturers and automobile dealers provide financial services.

The complete auto finance industry service system has three main functions: maintaining sales systems for manufacturers, integrating sales channels, and providing market information; providing dealers with deposit and loan financing, operating financing, and equipment financing; providing direct Users are provided with consumer credit, lease financing, maintenance financing, insurance and other services.

The initial function of the auto finance industry is only to provide loan services to the inventory products of dealers of automobile manufacturers and their affiliated retailers, and to allow their dealers to provide consumers with a variety of loans or leases. Serve. With the continuous expansion of its business scope and functions, automobile financial services companies have begun to gradually provide various forms of comprehensive financial services to consumers, dealers and manufacturers.

The modern mature auto finance industry has derived industry financial functions: in addition to auto consumer credit services, it also includes financial leasing, car purchase savings, auto consumer insurance, credit cards, etc., penetrating from manufacturing → sales → From consumption to final scrap, every aspect of the entire automobile industry and other industries related to it. Including conditional financing, savings, credit cards, loans, insurance and guarantees, etc., forming a relatively complete financial service industry chain. Some people even think that the automobile industry has two legs, one of which is automobile finance.