The Liberalization Of Financial Services & The Opportunities And Challenges The China-funded Banks Facing

financial service is an important component of the service trade. And it means the activities and the process between the countries and the regions. And it has Optimized the allocation of capital resources, enhanced the competition and cooperation of the global financial service industry, and made an active role in the growth of the world's economic and the development of the trade. However , the financial and economic risks have been increased, and the stability and the security of the economic stability have been impacted in the same time: Such as the global financial crisis in the 2008. Which cause incalculable economic losses in the world ,especially in the American financial markets, so we must have a objective view and understanding of financial services .The paper analyzes the cause on the development and the effect theory of the financial service trade liberalization firstly. Then analyzes the development and practice of the financial service trade liberalization in the developing and developed countries , and gets the inspiration from it. And then analyzes the actuality of the Chinese-fund banks under the financial services trade liberalization, in the same time analyzes the present situation of Chinese-fund banks participating the financial services trade liberalization from introducing the strategic investment and the overseas expansion.And then the paper analyze the challenges and opportunities of the Chinese-fund bands from financial services. To some extent, it improves the value and competitiveness ,accelerates the pace of technological innovation, and accelerates the effects of complementary and coordination with foreign banks .Besides, the Chinese-funds grows quickly. But it also brings series of challenges. There is a big gap between the Chinese-fund banks and more sophisticated foreign banks, from the capital strength, technology ,equipment, financial Goods, and the quality of service . In the same time, market share has been divided up ,and lots of high-quality customer lost .Meanwhile the pressure of the Chinese-fund banks has been increased because of the transparency. And how to retain the talent is the enormous task. We consider the Chinese-fund banks should remain calm to take part in financial services trade liberalization, at the same time improve the management system, improve the competitiveness in the international market competitiveness and speed up the innovation.We believe ,the Chinese-fund banks can go along in the face of the winter as long as they can establish a clear direction , strengthen the innovation and improve the management.