摘 要我国的财务公司有两大分类，他们的差异在于是否属于金融机构类型。而一般我们现在所说的财务公司比较正式的名称应该是企业集团财务公司。企业集团财务公司成立是服务于集团内成员的，为其技术改革创新，产品的研发及营销提供金融服务的非银行的新型金融机构。我国第一家财务公司成立 1987 年，在经过 20 多年的发展，财务公司在企业集团的发展历程中发挥的作用越来越大，但与西方发达国家相比还是存在着较大的差距。本文通过对我国财务公司的现状进行调查研究，分析其不足之处，并根据其所存在的问题制约其发展的因素进行讨论研究，最后针对我国财务公司的发展提出可行性建议。关键词： 财务公司 金融机构 运营策略 AbstractOur finance company has two categories, the difference lies in whether they belong to the type of financial institution. And in general we are talking about financial companies more formal name should be finance companies. New financial institutions group finance companies founded is to serve the members of the group, its technical reform and innovation, product development and marketing to provide non-bank financial services. China's first financial company established in 1987, after 20 years of development, the role played by finance companies of enterprise groups in the course of development is growing, but compared with Western countries there is still a big gap. Based on the current situation of financial companies conduct research, analyze its shortcomings, and to discuss and study the problems according to their constraints in its development, and finally make feasible suggestions for the development of financial companies.KEY EORD: Financial companies Financial institutions Operations Strategy目录绪论一、财务公司运营现状一、 财务公司简述（一）成立财务公司（二）财务公司的性质1. 金融性2 企业性.3.产业性（三）财务公司的职能1.资金整合，提高资金利用率2.减少信贷规模，降低成本3.提高企业集团企业形象，增强融资能力4.对企业集团成员进行风...
