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Реферат Financial institutions





Plan


1. Financial institution

2. Types of financial institutions

3. Functions of financial institutions

4. Information of some types of FI

5. Regulations of financial institutions

6. The list of literature

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1. Financial institution


In financial economics, a financial institution an institution that provides financial services for its clients or members. Probably the most important financial service provided by financial institutions is acting as financial intermediaries.

First thing that people think of when hearing words financial institutions are banks. But banks are not even near to be the only financial institutions. Financial institutions are the firms that provide financial services and advices to its clients. The financial institutions are generally regulated by the financial laws of government authority. The variety of financial institutions reveals the complex requirements of both borrowers and lenders. Banks, building societies, investment trusts and pension funds are just a few of the organisations whose job it is to channel funds to those that require them.

These institutions operate in the short-term (money) market and the long-term (capital) market.

In the money market, the main activity centres around funds, which are lent for periods from as short as overnight up to about one year. The capital market focuses on money borrowed and lent for periods of five years or more.


2. Types of financial institutions


Various types of Financial Institutions are as follows:

В· Commercial banks

В· Credit unions

В· Stock brokerage firms

В· Asset management firms

В· Insurance companies

В· Finance companies

В· Building Societies

В· Retailers

В· Investment funds and mutual funds

The various financial institutions generally act as the intermediaries between the capital market and debt market. But the service provided by financial institution depends on its type. The financial institutions are also responsible to transfer funds from investors to the companies. Typically, these are the key entities that control the flow of money in the economy.

The services provided by the various types of financial institutions may vary from one institution to another. For example, the services offered by the commercial banks are - insurance services, mortgages, loans and credit cards. The services provided by the brokerage firms, on the other hand, are different and they are - Insurance, securities, mortgages, loans, credit cards, money market and check writing. The insurance companies offer - insurance services, securities, buying or selling service of the real estates, mortgages, loans, credit cards and check writing.


3. Functions of financial institutions <...


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