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1、Chapter2FinancialsystemTheteachingpurposeofthischapterThestudentwilllearnaboutthefunctionsofthefinancialsystemtheparticipantsinthefinancialsystemthefinancialintermediariesandtheirrespectivefunctionsCopyright©2010PearsonEducation,Inc.PublishingasPrenti
2、ceHall2FinancialsystemThecompositionofFinancialsystem:Copyright©2010PearsonEducation,Inc.PublishingasPrenticeHall3Everyonehassomecontactwiththefinancialsystem.Weareallawareoffinancialinstitutionslikebanks,buildingsocieties,andinsurancecompanies,eachpr
3、ovidinginitsownwayforsomeofoureverydayneeds.Forexample,paymentsfacilitiesthroughbanks,convenientsavingsandaccesstohomeloansfrombuildingsocieties,andcar,house,orlifeinsurance.beawareof:了解Otherfinancialinstitutions,suchasinvestmenttrusts,venturecapitalc
4、ompanies,anddiscounthouses-tonameonlyafew-arelesswell-knownandcarryoutmorespecializedfunctions.investmenttrusts:信托投资公司venturecapitalcompanies:风险投资公司Copyright©2010PearsonEducation,Inc.PublishingasPrenticeHall4Mostpeoplealsoknowsomethingaboutfinancialma
5、rkets,liketheStockExchangewheresecuritiesareboughtandsold,thoughcomparativelyfewaredirectlyconcernedwiththeiractivities.Copyright©2010PearsonEducation,Inc.PublishingasPrenticeHall5Allthesefinancialinstitutionsandmarketsfittogetherintoanetworkwhichcomp
6、risesthefinancialsystem.Thereareotherimportantbutlessfamiliarfinancialmarkets,likethemoneymarketinwhichlargesumsareborrowedandlentforveryshortperiods,andtheforeignexchangemarketinwhichdealingsinforeigncurrenciestakeplace.Majorfunctions:channelhousehol
7、dsavingstocorporatesectorallocateinvestmentfundsamongfirmsAllowsmoothconsumptionbyhouseholdsandexpendituresbyfirmsenablehouseholdsandfirmstosharerisksCopyright©2010PearsonEducation,Inc.PublishingasPrenticeHall6Theparticipantsinthefinancialsystem:Copyr
8、ight©2010PearsonEducation,Inc.PublishingasPrenticeHall7savers;investorsandotherborrowers;financialintermediaries;brokersandadvisers;regulatorsSaversandinvestors:Theend-usersofthefinancialsystemarethesavers,whosecurrentspendingislessthantheirin