The financial markets in China are still in their infancy, with many areas that do not have the legal framework required to begin operations. A financial market is a market created for the exchange of capital and debt. It includes the capital, money and stock markets. Financial markets have been developing throughout the world for hundreds of years and the pace of change brings new challenges for all participants. In many foreign countries, the financial markets have been focusing on regulation, risk management, customer service, improvement of efficiency, transparency, cost cutting, etc. It is safe to say, that the banks in China have made continuous developments in each of these areas.

　　中国的金融市场仍处于初期阶段，许多地区没有必要的法律体制就开始运作。金融市场是为资金和贷款交易而设立的市场。它包括资金、货币和股票市场。金融市场在全球已经发展了数百年，其变化的速度之快给所有参与者带来了新的挑战。在国外许多国家，金融市场主要将重点放在调整、风险管理、消费者服务、提高效率、透明度、成本削减等方面。可以肯定地说，中国银行在这些领域取得了持续的发展。