With the continuous development of the world economy and the adjustment of industrial structure in various countries, the proportion of agriculture has declined, and the share of the financial industry has gradually increased, forming a situation in which the financial industry occupies a major share in the national economy. Since China joined the WTO, it has continuously improved its multi-level and multi-functional financial market system, and its banking transactions and information system services have been improved day by day.

At present, China has basically established a securities and futures market, a money market and an inter-bank foreign exchange market to achieve diversified development, including commercial banks, social security funds, trust companies, securities companies, insurance companies and other institutions.

Improve the competitiveness of financial enterprises to go global. Make full use of domestic and foreign market advantages, carefully formulate long-term plans, and further improve the operating system of financial institutions. In the current development of financial industry, it is difficult to innovate the system and organizational structure of financial institutions, while the formulation of financial system and the innovation and development of organizational structure are ignored in China's financial reform.

Cultivate a financial market system adapted to China's economic development. China needs to cultivate a financial market system adapted to China, so that China's money market and capital market have perfect characteristics under the domestic market operation mechanism.

At the same time, by constantly improving the innovative market mechanism and interest rate and exchange rate mechanism, the financial market system will gradually adapt to the fierce competition of foreign financial industry and cultivate its ability to resist risks, and relax the access standards for state-owned and private enterprises to engage in business activities in the financial field.