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1、Chapter2FinancialsystemTheteachingpurposeofthischapterThestudentwilllearnaboutthefunctionsofthefinancialsystemtheparticipantsinthefinancialsystemthefinancialintermediariesandtheirrespectivefunctionsCopyright©2010PearsonEducation,Inc.PublishingasPrenticeHall2FinancialsystemThecompositio
2、nofFinancialsystem:Copyright©2010PearsonEducation,Inc.PublishingasPrenticeHall3Everyonehassomecontactwiththefinancialsystem.Weareallawareoffinancialinstitutionslikebanks,buildingsocieties,andinsurancecompanies,eachprovidinginitsownwayforsomeofoureverydayneeds.Forexample,paymentsfacilit
3、iesthroughbanks,convenientsavingsandaccesstohomeloansfrombuildingsocieties,andcar,house,orlifeinsurance.beawareof:了解Otherfinancialinstitutions,suchasinvestmenttrusts,venturecapitalcompanies,anddiscounthouses-tonameonlyafew-arelesswell-knownandcarryoutmorespecializedfunctions.investment
4、trusts：信托投资公司venturecapitalcompanies：风险投资公司Copyright©2010PearsonEducation,Inc.PublishingasPrenticeHall4Mostpeoplealsoknowsomethingaboutfinancialmarkets,liketheStockExchangewheresecuritiesareboughtandsold,thoughcomparativelyfewaredirectlyconcernedwiththeiractivities.Copyright©2010Pearso
5、nEducation,Inc.PublishingasPrenticeHall5Allthesefinancialinstitutionsandmarketsfittogetherintoanetworkwhichcomprisesthefinancialsystem.Thereareotherimportantbutlessfamiliarfinancialmarkets,likethemoneymarketinwhichlargesumsareborrowedandlentforveryshortperiods,andtheforeignexchangemark
6、etinwhichdealingsinforeigncurrenciestakeplace.Majorfunctions:channelhouseholdsavingstocorporatesectorallocateinvestmentfundsamongfirmsAllowsmoothconsumptionbyhouseholdsandexpendituresbyfirmsenablehouseholdsandfirmstosharerisksCopyright©2010PearsonEducation,Inc.PublishingasPrenticeHall6
7、Theparticipantsinthefinancialsystem:Copyright©2010PearsonEducation,Inc.PublishingasPrenticeHall7savers;investorsandotherborrowers;financialintermediaries;brokersandadvisers;regulatorsSaversandinvestors：Theend-usersofthefinancialsystemarethesavers,whosecurrentspendingislessthantheirin
