Finance
hideFinance is the science of funds management. The general areas of finance are business finance, personal finance, and public finance. Finance includes saving money and often includes lending money. The field of finance deals with the concepts of time, money and risk and how they are interrelated. It also deals with how money is spent and budgeted.
Finance works most basically through individuals and business organizations depositing money in a bank. The bank then lends the money out to other individuals or corporations for consumption or investment, and charges interest on the loans.
Loans have become increasingly packaged for resale, meaning that an investor buys the loan (debt) from a bank or directly from a corporation. Bonds are debt sold directly to investors from corporations, while that investor can then hold the debt and collect the interest or sell the debt on a secondary market. Banks are the main facilitators of funding through the provision of credit, although private equity, mutual funds, hedge funds, and other organizations have become important as they invest in various forms of debt. Financial assets, known as investments, are financially managed with careful attention to financial risk management to control financial risk. Financial instruments allow many forms of securitized assets to be traded on securities exchanges such as stock exchanges, including debt such as bonds as well as equity in publicly-traded corporations.[dubious – discuss]
Central banks act as lenders of last resort and control the money supply, which affects the interest rates charged. As money supply increases, interest rates decrease.
For more information about Finance, read the full article at
Wikipedia.
This text uses material from Wikipedia and is available under the GNU Free Documentation License.
News tagged with financial
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Dec 15, 2009 |
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Projecting the charisma of a newly hired Chief Executive Officer often leads financial analysts to make crucial errors in forecasting the company's future performance, according to a new study in the current issue of Organization Sc ...
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Adobe Systems posts 4Q loss but says demand rising
Dec 15, 2009 |
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(AP) -- Adobe Systems Inc. said Tuesday that although it booked a loss in the fiscal fourth quarter, consumer demand improved and allowed the maker of Photoshop and Flash software to post an optimistic outlook ...
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Dec 14, 2009 |
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The well-worn notion that patients in the United States have unfettered access to the most expensive cancer drugs while the United Kingdom's nationalized health care system regularly denies access to some high-cost treatments ...
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"Development cooperation can play an important role in ensuring that the poorest countries will benefit from climate change funding," says Olof Drakenberg, policy analyst at the Environmental Economics Unit at the School ...
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(PhysOrg.com) -- GlaxoSmithKline and Ann Arbor-based NanoBio Corporation announced today that they have signed an exclusive over-the-counter licensing agreement for NanoBio’s unique nanoemulsion treatment for cold sores in ...
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(AP) -- Four Google executives should not be held responsible for a video posted online that showed teenagers abusing an autistic youth in Turin, their lawyers argued Wednesday in an Italian court.
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When bombs and bullets left 37 dead during Friday prayers at a mosque in Pakistan, earlier this month, the insurgency was using the element of surprise. Unpredictability is the hallmark of modern insurgent attacks such as ...
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