1, bank

Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities. The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.

2. Insurance

Insurance is a safe and reliable guarantee; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.

3. Securities

It is the floorboard of all kinds of economic rights and interests certificates, and also refers to specialized products. It is a legal document used to prove that the holder enjoys a certain right. Mainly including capital security, currency securities and commodity securities. In the developed market economy, the securities market is an important part of a complete market system, which not only reflects and regulates the movement of monetary funds, but also has an important impact on the operation of the whole economy.

Extended data:

The financial system includes five aspects: financial supervision system, financial enterprise system (organization system), financial supervision system, financial market system and financial environment system.

(1) The financial regulation and control system is an integral part of the national macro-control system, including coordinating monetary policy and fiscal policy, maintaining monetary stability and aggregate balance, improving transmission mechanism, doing statistical monitoring, and improving the level of regulation and control. It is also a financial macro-control mechanism, including the organic combination of interest rate marketization, interest rate formation mechanism, exchange rate formation mechanism, capital account convertibility, payment and settlement system and financial market.

(2) The financial enterprise system includes commercial banks, securities companies, insurance companies, trust and investment companies and other modern financial enterprises, as well as the listing of central banks, state-owned commercial banks, policy banks and financial asset management companies, the restructuring and reform of small and medium-sized financial institutions, the development of financial enterprises of various ownership, and rural credit cooperatives.

(3) Financial supervision system includes perfecting financial risk monitoring, early warning and disposal mechanism, implementing market withdrawal system, enhancing the transparency of supervision information, accepting social supervision, handling the relationship between supervision and supporting financial innovation, and establishing supervision coordination mechanism (banks, securities, insurance, central bank and financial departments).

Separate operation supervision: CBRC, CSRC and CIRC.

Unified supervision of mixed operation

(4) The financial market system (capital market) includes expanding direct financing, establishing a multi-level capital market system, improving the capital market structure, enriching capital market products, promoting venture capital and growth enterprise market construction, expanding the bond market, expanding the scale of corporate bond issuance, developing institutional investors, improving the trading, registration and settlement systems, and steadily developing the futures market.

(5) The financial environment system includes establishing and perfecting the modern property right system, perfecting the corporate governance structure, building a unified national market, establishing and perfecting the social credit system, transforming the government's economic management function and deepening the reform of the investment system.

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