1 Introduction

摘要

Financial services are a sector of the services industries that has been growing steadily over time. Financial services firms focus primarily on originating and facilitating financial transactions, including the creation and liquidation of financial assets, the servicing and management, and transfers of ownership. They may involve raising funds by taking in deposits or issuing securities, keeping assets in custody or in trust, managing such assets to generate return, pooling of risks by underwriting insurance and annuities, making loans, or providing specialized services to facilitate such transactions.