利率市场化改革作为金融改革的重中之重,目前已进入最后的攻坚阶段。金融环境的剧变,对未经受市场洗礼的财务公司挑战巨大。本文运用PEST分析法,找出财务公司未来竞争环境的优劣势,为财务公司的战略调整提供依据。 Market-oriented interest rate reform, as the most important financial reform, has now entered the final stage of tackling crucial problems. The drastic changes in the financial environment have posed great challenges to financial companies that have not been baptized by the market. This article uses the PEST analysis method to find out the advantages and disadvantages of the financial company’s future competitive environment and provide the basis for the financial company’s strategic adjustment.