Financial Institutions: 두 판 사이의 차이

(같은 사용자의 중간 판 하나는 보이지 않습니다)

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A '''~~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.

'''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 =

== Specialness of Financial Institutions ==

= Types 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]]

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-A '''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.
+'''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 =
+== Specialness of Financial Institutions ==
-= Types 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]]