Financial Institutions 문서 원본 보기

'''Financial institution''' ([[금융기관]]) is an intermediary between users of funds and suppliers of funds. A user of funds is an economic entity that is short of funds, and a supplier of funds is an economic entity with excessive funds.

== Specialness of Financial Institutions ==

Financial institutions are not merely passive intermediaries. They are considered special because they perform several essential economic functions.

* Information production: they collect and process information about borrowers and investment opportunities.
* Liquidity and maturity transformation: they fund relatively illiquid and long-term assets with relatively liquid and short-term liabilities.
* Monitoring: they engage in delegated monitoring on behalf of dispersed savers and investors.

Because of these functions, financial institutions are closely related to credit allocation, payment services, and financial stability.

== Types of Financial Institutions ==

Financial institutions can be broadly divided into depository institutions and non-depository institutions.

=== Depository Institutions ===

Depository institutions accept deposits and use them to make loans. Typical examples include [[은행|banks]] and [[저축은행|savings banks]].

=== Non-Depository Institutions ===

Non-depository institutions do not primarily fund themselves through deposits. Major examples include securities firms, asset management companies, and insurance companies.

[[분류:금융기관]]
[[분류:위키 허브]]