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1、黑龙江外国语学院2011-2012学年第1学期Term12011-2012AcademicYearHeilongjiangInternationalUniversityTheclassificationsaboutfinancialinstitutionsinChinaandtheircharacterisiticsAbstract:Heretheso-calledfinancialinstitutions,referstothemainbusinessbelongtomonetarybanking,securitiesandinsuranceindustriesmor
2、eortrustindustrycorporationorganization.Ingeneral,canbedividedintothreecategories:financialinstitutions:Createbasiccurrencymonetaryauthorities,thatis,thecentralbank;Absorbdeposits,createthedepositmoneyBanksderiveddeposit;Donothavederiveddepositmoneyfunctiontocreatethemonetaryandfinancial
3、institutions.Inaddition,thefirst,twotypesoffinancialinstitutionsandthethirdtypeofdepositinstitutionsofspecificarealsoknowncollectivelyasdepositsexcompany;OneofthedepositmoneyBanksandspecificdepositisofteninstitutionisreferredtoasotherdepositsexcompany.Thus,financialinstitutionswillonlybe
4、dividedintodepositsexcompanyandthedepositfinancialinstitutionstwotypes.KeyWords:financialinstitutionscharacterisiticsDirectfinancialinstitutionsandindirectfinancialinstitutionsAccordingtothedifferentwaysoffinancing,financialinstitutionscanbedividedintodirectfinancialinstitutionsandindire
5、ctfinancialinstitutions.Directfinancialinstitutionsisindirectfinancingfields,fortheinvestorsandwhoisraisingmoneyprovidesintermediaryserviceoffinancialinstitutions.Itsmainbusinessincludestheissuanceofsecurities,brokerage,custody,registration,liquidation,creditevaluation,investmentBanks,se
6、curitiescompanies,suchasdirectfinancialinstitutionsbelongto.Indirectfinancialinstitutionsontheonehanditistopointtototheidentityofthedebtorfromthehandsofthesurplusmoneytoraisemoney,ontheonehand,andtothecreditorsoftheidentitytotheshortageoffundstoprovidefunds,indirectfinanceisthecharacteri
7、sticoffinancialinstitutions.Commercialbankisthemosttypicalofindirectfinancialinstitutions.Theabovetwokindsoffinancialinstitutionstothemostobviousdifferenceisthattheformerintheintermediaryinfinancingingeneraldonotissuewiththemselvesasthedebtorfinancingtool,justinthefinanci
