1. Main functions of financial services:
(1) Direct insurance (including * * * insurance, life insurance and non-life insurance).
(2) Reinsurance and reinsurance.
(3) Insurance intermediaries, such as brokers and agents.
(4) Insurance auxiliary services, such as consulting. Actuarial, risk assessment and claims settlement services; Banking and other financial services (except insurance).
(5) accept public deposits and other repayable funds.
(6) Various loans, including consumer credit, mortgage credit, business transaction agency and financing.
2. Precautionary measures for financial services:
Support the company's business to develop into multi-materialization, multi-monetization and multi-regionalization; Improve control over complex cross-entity transactions. Promote the standardization of technology and operating procedures and improve the alternative utilization rate of resources; The principle of eliminating redundant regional requests; Reduce technology and operating costs, effectively meet the needs of market and regulatory changes, and control the overall operational risk of the company in the most appropriate range.
Main features of financial services:
1, less investment:
In the case of less physical capital investment in financial services, it is difficult to find a suitable physical unit to measure the quantity of financial services, so that it is impossible to accurately define its price and then compile accurate price index and quantity index, so it is difficult to determine and measure the output of financial services.
2. Financing intermediary:
The function of traditional financial services is the intermediary of financing, while more and more functions of modern financial services are related to the production, transmission and use of information, especially because economic activities are increasingly "financialized", so financial information is increasingly becoming one of the important resources of economic activities.
3. Labor-intensive:
Traditionally, financial services are labor-intensive industries. With the increasing complexity and informatization of financial activities, financial services have gradually become knowledge-intensive and human capital-intensive industries. The density of human capital and the amount of information resources have become important factors that determine the ability of financial enterprises to create value and the survival and development prospects of financial enterprises in modern financial services.
4. Liberalization:
In today's era of intensified domestic and international competition, financial services are undergoing tremendous changes. The influence of information technology, deregulation and liberalization has changed forever, and the field of financial services is constantly being reshaped, and this trend will continue.