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文章基于迈克尔·波特著名的“钻石模型”理论,对我国金融服务贸易国际竞争力的主要因素进行了研究.尽管我国金融服务贸易的人力资本要素近年来提升明显,但在资本要素、技术要素方面与发达国家相比还存在着不小的差距.金融服务贸易的需求过低、寡头垄断现象也是造成我国金融服务业竞争力不足的主要因素,另外,开放的市场环境将有利于我国金融服务贸易融入国际市场.“,”Borrowing the methodology of Porter's diamond model, this paper analyses the factor of international competitiveness of China's financial services trade. Although the human capital elements of financial service trade in China has increased significantly in recent years, but in terms of capital, technology elements compared with the developed countries there is a big gap. Low demand of financial service trade, oligopolistic phenomenon are also the main factors that lead to deficiency of China's financial services industry competitiveness, in addition, the opening of the market environment will be conducive to China's financial services trade in the international market.