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.