Financial Institutions: 두 판 사이의 차이
분류 추가, 헤딩 H1→H2 정리, 굵은 리드 형식 수정 |
문서 확장: 정의·개념·공식·링크 보강 |
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== Specialness of Financial Institutions == | == 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 == | == 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:금융기관]] | ||
[[분류:위키 허브]] | [[분류:위키 허브]] | ||