随着经济的迅速发展,越来越多的新型金融机构出现,立足于不同的功能定位,满足居民和企业不同层次、多元化的金融需求。非银行金融机构逐步成为主流金融业态,包括信托公司、企业集团财务公司、金融租赁公司、汽车金融公司、货币经纪公司、消费金融公司。这不仅是居民金融需求的多元化带来的机遇,企业自身通过金融手段加强自身管理、降低融资成本的需求也越来越强烈。非银行金融机构要立足实体经济的需求,实现转型发展。 With the rapid economic development, more and more new financial institutions appear, based on different functional orientation to meet the different levels and diversified financial needs of residents and enterprises. Non-bank financial institutions have gradually become the mainstream financial formats, including trust companies, conglomerates finance companies, financial leasing companies, auto finance companies, currency brokerage firms and consumer finance companies. This is not only an opportunity brought by the diversification of residents’ financial needs, but also the demand of enterprises to strengthen their own management through financial means and reduce the financing costs. Non-bank financial institutions should base themselves on the needs of the real economy to achieve transformation and development.