the financial industry comprehensive opening,will affect much will be the financial enterpr**e,th** might speed up the impetus domestic finance the innovation.the chinese financial industry on already started the opening to the outside world from on century 70's,but the opening degree ** restricted,opens has not d**played to the financial industry function.after in 2001 china joined wto,the financial industry innovation only then was compelled the appearance.if the credit card,the single room loan,draws bonus danger and so on,the financial products appear unceasingly. “the financial industry opening to the outside world the financial industry has brought the advanced financial technology,the financial service way and the financial product design idea for our country.”at present,the insurance,the trust,rent with money market and so on the negotiable securities begin to take shape.but,the chinese finance service industry core competitive power completely has not establ**hed.therefore,the financial industry ** open,may cause the domestic financial enterpr**e full model international advanced experience,innovates and consummates own financial organization system,establ**hes own core competitive power. the finance opens to the capital financial organ,talented person's outflow possibly can become a headache thequestion.