1. Introduction介绍
金融服务是由金融业提供的经济服务，涵盖范围广泛的组织，管理资金，包括信用社、银行、信用卡公司、保险公司、财务公司、消费金融公司、证券公司、投资基金和一些政府资助的企业。金融服务业通过提供商品和服务的支付手段，支持世界各地的经济活动。随着各国经济的联系更加密切，金融服务业的作用越来越重要，同时，对金融服务业主要包括政治、经济、社会文化环境和技术变化。显然，监管必须适应不断变化的金融服务环境。Financial services are the economic services provided by the finance industry, which encompasses a broad range of organizations that manage money, including credit unions, banks, credit card companies, insurance companies, accountancy companies, consumer finance companies, stock brokerages, investment funds and some government sponsored enterprises. The financial service industry supports economic activities all around the world by providing the means to transfer payment for goods and services. As the economies of individual nations become more intertwined, the role of the financial service industry becomes more and more import, meanwhile, the environment of the financial service industry which includes politics, economies, socioculture, and technology is changeable. Obviously, regulations must adapt to the changing financial services environment. ................
2. Main Content
3. Conclusion总结
With the economic globalization and information technology promotion, international financial markets get rapid development, and the flow of international capital continuously accelerating, more and more financial institutions adopt a coordinated manner among enterprises to organize trade and production activities. (Porteous D J1999)The financial services industry clusters have become one of the basic form of modern financial industry organization from the initial concentration of few bank to the rise of financial holding companies. (Beck T, levine R 2000) In developed countries, banking, insurance, securities business for the integration of financial supermarket are vividly portrayed, (Amin A and Thrift N 1994) almighty financial services company will expand in the world scope and participate in the competition. The financial industry has the characteristics of leading industry, risk industry and knowledge-intensive industry. It can both bring positive effect and negative effect. ............
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