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" At the beginning of reform and opening-up, then there is no financial products, so to say, that is, bank deposit or money to buy Treasuries. At that time, the Treasury can be regarded as a special financial products, but the units are assessed directly to the individual first , Yier Bai yuan each year, interest rates are still relatively high, after the expiration of their banks to exchange. Now, the people of a variety of ways of financial management and conservative can deposit money into the bank and buy bonds, futures speculation can be radical and Shares, the remaining funds can be bought, and is able to buy insurance. "Lives in the Mentougou Mr. Zhang Jiuhong told this reporter.

Reform and opening up, China's financial reform and innovation in the industry has grown in strength and number of employees in financial institutions and a significant increase in the size of the financial apparent expansion of the different nature of the banking institutions all over the country, bear deposits, payments and loan functions, From small to large insurance companies, securities institutions from scratch, showing a momentum of rapid development, the shape of the banking, securities, insurance, and other features compared with a full range of financial institutions in the system.

A variety of innovations in banking institutions in the development o

Reform and opening up, China's banking industry successfully achieved by the" unification "of the banking system to a modern banking system, the historic change from only a People's Bank of China, Jin Wanjia have been developed to the nature of the corporate banking financial institutions. Banking institutions to provide financial services have been enriched and improved, simple-to-deposit, loan, exchange business, has diversified and personalized financial services, the traditional banking business model change in the event of a major financial supermarket function gradually began to appear. 30 years ago, China's banking system more sound organization, the type of body even more rich, more full market competition, better services.

Long-Hong Zhang said at the beginning of reform and opening-up, to say the bank deposit, but one thing is too much trouble, far away from the bank ah, back and forth on the road compared with time-consuming.现在. The bank has branches, not far from my home on an agricultural bank, which is very convenient, but now go to the bank for a business to be ranked team for a long time.

In the banking sector continue to enhance the convenience of the service at the same time, the rapid development of the banking industry to make financial macro-control has played an increasing role. Financial macro-control from China's actual conditions, for different periods of economic and financial situation characterized by using different combinations of monetary policy tools, to allow flexibility in adjusting the money supply and maintain the stability of the currency, the promotion of rapid economic growth.

Insurance achieved a historic lea

Insurance for the development of long-Hong Zhang recalls:" 70 years, I have not heard of insurance, but also do not know is what the insurance. And the 1980s, the beginning of the rise of insurance. Since then, I do know that insurance is What the. Now, young people looking for work, not to be considered for the insurance, given what the risk. I now have to buy some insurance, after all, do not know what will happen in the future, to buy an insurance policy so that his peace of mind. "

In 1980, People's Insurance Company of China to resume domestic insurance business. 30 years of reform and opening up have brought not only China's economic and social change, for the development of China's insurance industry has injected new vigor and vitality. At the beginning of reform and opening up, China's insurance market, only one company, all of the premium income of 460,000,000 yuan. In 2007, the national insurance sector reached 120, the total assets reached 2.9 trillion yuan, to achieve premium income 703,600,000,000 yuan, market-fold growth in 1529, China has gradually grown into new insurance power.

30 years, the insurance industry will be consciously integrated into the overall economic and social development, and continuously enhance the services of a harmonious society's ability to gradually become the people's livelihood and improving people's livelihood and an important means to safeguard the people's livelihood, to support investment, expand consumption and export to protect the An important factor into optimization of the financial structure of financial markets to improve the efficiency of the allocation of resources an important force.

Twists and turns of the securities industry from scratch and move forwar

On the development of the industry for a long time, Zhang Hong has a lot of feelings, he said:" I am the stock market after the establishment of the first start of the stock. Then I do not know how the securities trend, but other people looked at stocks to make money, I Also to stocks. So I would like to thank China's securities market set up so that I can have more financial means. "

By the end of 1990, to Shanghai and Shenzhen stock exchanges to set up two signs for the Chinese stock market has entered a stage of development norms, but also opened up to foreign financial institutions, market access for the door.

30 years, the securities industry has gone through from scratch, from immature to gradually improve the process has reached a new starting point. Over the past 20 years, the securities industry adhere to a market-oriented reform, the intensify reform efforts, the securities industry has been great. At the end of 2006, China's securities industry's total assets 1,100,000,000,000 yuan, employing nearly 80,000 people, nearly 3,000 securities business department, 321 fund products.

With the comprehensive management of securities companies continue to push forward and continue to improve laws and regulations, securities companies significantly reduce the risk of irregularities. On the basis of steady system, securities companies to strengthen the security of client assets, customer deposits basically independent depository and securities products, the safety performance of the whole qualified.