1, Public Offering of Fund: a fund management company that raises funds from the public.
2. Private fund: a fund management company that raises funds in a non-public way.
3. Trust and investment institutions; Financial institutions specializing in financial trust business.
4. Financial asset management companies: mainly rural credit cooperatives, urban credit cooperatives and postal savings institutions.
5. Insurance institutions: mainly insurance companies and the State Insurance Regulatory Bureau.
6. Financial leasing: leasing companies mainly invested and managed by commercial banks.
7. Finance company: Also known as finance company, its main business is to absorb deposits.
Financial institutions (finance? Institutions) refer to financial intermediaries engaged in financial services, which are part of the financial system, and financial services (banks, securities, insurance, trusts, funds and other industries) correspond to them. Financial intermediaries also include banks, securities companies, insurance companies, trust and investment companies and fund management companies. At the same time, it also refers to lending institutions, which provide loans to companies with financial turnover to customers. The interest rate is relatively higher than that of banks, but it is more convenient for customers to borrow because they do not need complicated documents to prove it.
According to different standards, financial institutions can be divided into different types:
1, divided into four categories according to status and function:
First, the central bank. The central bank in China is the People's Bank of China.
The second category is banks. Including policy banks, commercial banks and village banks.
The third category is 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 Chinese-funded and Sino-foreign joint venture financial institutions established in China.
2. According to the operating conditions of financial institutions, they can be divided into financial supervision institutions and supervised financial enterprises. For example, the People's Bank of China, China Banking Regulatory Commission, China Insurance Regulatory Commission and China Securities Regulatory Commission are institutions that exercise financial supervision power on behalf of the state, and all other financial enterprises such as banks, securities companies and insurance companies must accept their supervision and management.
3. According to whether it can accept public deposits, it can be divided into deposit financial institutions and non-deposit financial institutions. The sources of funds for deposit-taking financial institutions are mainly loans from the public in the form of deposits, such as commercial banks, savings and loan associations, cooperative savings banks and credit cooperatives. Insurance companies, trust financial institutions, policy banks, securities companies, finance companies and other non-deposit financial institutions are not allowed to absorb public savings deposits.
4, according to whether to undertake the national policy financing task, can be divided into policy financial institutions and non-policy financial institutions. Policy-oriented financial institutions refer to institutions invested by the government and engaged in financial activities according to the government's intentions and plans. Non-policy financial institutions do not undertake national policy financing tasks.
5, according to whether it belongs to the banking system, it can be divided into bank financial institutions and non-bank financial institutions; According to the national nature of capital contribution, it can be divided into domestic financial institutions, foreign financial institutions and joint venture financial institutions; It can also be divided into domestic financial institutions, foreign financial institutions and international financial institutions by country.