I. Classification of licensed financial institutions
1. Bank: A bank is a financial institution with a central bank license, mainly engaged in deposits, loans, settlement, foreign exchange and other businesses;
2. Securities companies: Securities companies are financial institutions with securities licenses, mainly engaged in securities brokerage, agency sales, investment consulting and other businesses;
3. Insurance companies: Insurance companies are financial institutions with insurance licenses, mainly engaged in insurance agents, insurance brokers, insurance consulting and other businesses;
4. Fund companies: Fund companies are financial institutions with basic licenses, mainly engaged in fund issuance, fund management, fund sales and other businesses;
5. Guarantee company: A guarantee company is a financial institution with a guarantee license, mainly engaged in secured loans, financial leasing, financial consulting and other businesses;
6. Microfinance companies: Microfinance companies are financial institutions with microfinance licenses, mainly engaged in microfinance and loan consulting.
Second, the characteristics of licensed financial institutions
1. Strong security: Licensed financial institutions usually have a sound risk control system, and investors can invest with confidence;
2. Strict supervision: licensed financial institutions are strictly supervised, and investors try their best to ensure the safety of funds;
3. High service quality: Licensed financial institutions usually have professional investment consultants and customer service teams, which can provide professional investment consulting services for investors;
4. Investment types: There are many kinds of investments made by licensed financial institutions, and investors can choose appropriate investments according to their own conditions.
Third, the development prospects of licensed financial institutions.
Licensed financial institutions are the mainstream of the current financial industry and will continue to develop in the future. With the continuous development of financial technology, the service quality of licensed financial institutions will also be continuously improved, and investors will benefit from more financial services and investment varieties. At the same time, the government will also strengthen financial supervision and management of licensed financial institutions to ensure the safety of investors' funds.
Conclusion: A licensed financial institution refers to an institution that holds a financial license and operates financial business according to law. Licensed financial institutions have the characteristics of strong security, strict supervision, high service quality and various types of investment, and their future development prospects are also very broad. Investors should give priority to licensed financial institutions when choosing financial institutions to ensure the safety of funds.