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
Intel settles AMD claims but isn't off the hook
Nov 12, 2009 |
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(AP) -- Intel Corp. is paying Silicon Valley rival Advanced Micro Devices Inc. $1.25 billion to squash a legal battle over Intel's sales tactics, a rift that led to antitrust charges against Intel in several ...
Saying sorry really does cost nothing
Sep 21, 2009 |
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(PhysOrg.com) -- Economists have finally proved what most of us have suspected for a long time - when it comes to apologising, talk is cheap. According to new research, firms that simply say sorry to disgruntled customers ...
Researchers find that the unexpected is a key to human learning
Medicine & Health / Psychology & Psychiatry
Mar 13, 2009 |
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The human brain's sensitivity to unexpected outcomes plays a fundamental role in the ability to adapt and learn new behaviors, according to a new study by a team of psychologists and neuroscientists from the University of ...
Predicting politics: Professors model prediction markets
Jan 19, 2009 |
4 / 5 (6) |
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Political prediction markets -- in which participants buy and sell "contracts" based on who they think will win an election -- accurately predicted Barack Obama's 2008 victory. Now Northwestern University researchers have ...
Don't ignore your emotions at work, professor says
Other Sciences / Social Sciences
Nov 30, 2009 |
3.7 / 5 (3) |
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(PhysOrg.com) -- “There’s no crying in baseball!” So said Jimmy Dugan, the manager portrayed by Tom Hanks in the movie “A League of Their Own.” Not so fast, says Vince Waldron, an Arizona State University professor of communication ...
Don't bet newspapers will get rich shunning Google
Nov 30, 2009 |
4 / 5 (2) |
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(AP) -- There's an intriguing idea floating around the media: Microsoft Corp. wants to undercut Google so badly in Internet search that it might pay newspapers to withhold their content from Google. Just don't count on that ...
Government delays new ban on Internet gambling
Nov 27, 2009 |
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(AP) -- The Treasury Department and the Federal Reserve are giving U.S. financial institutions an additional six months to comply with regulations designed to ban Internet gambling.
Failing the sniff test: Researchers find new way to spot fraud
Nov 09, 2009 |
4 / 5 (1) |
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Companies that commit fraud can find innovative ways to fudge the numbers, making it hard to tell something is wrong by just looking at their financial statements. But research from North Carolina State University unveils ...
'Technology' plays large role in wealth inheritance
Other Sciences / Social Sciences
Oct 30, 2009 |
3.7 / 5 (3) |
2
A new study reveals the important role inherited wealth plays in sustaining economic inequality in small scale societies. A team of 26 anthropologists, statisticians, and economists based at the Santa Fe Institute in New ...
Installed cost of solar photovoltaic systems in the US fell in 2008
Oct 21, 2009 |
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Researchers at the Department of Energy's Lawrence Berkeley National Laboratory released a new study on the installed costs of solar photovoltaic (PV) power systems in the U.S., showing that the average cost ...
Gratitude and financial virtue
Medicine & Health / Psychology & Psychiatry
Sep 17, 2009 |
5 / 5 (1) |
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(PhysOrg.com) -- Study by Northeastern psychologist finds feelings of gratitude prompt people to share their financial resources.
Rich people don't need friends
Medicine & Health / Psychology & Psychiatry
Sep 16, 2009 |
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In a paper evaluated by f1000 Medicine, six studies tested relationships between reminders of money, social exclusion and physical pain.
Poor money saving linked to general impulsiveness
Medicine & Health / Psychology & Psychiatry
Sep 03, 2009 |
5 / 5 (1) |
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Financial imprudence is linked to other impulsive behaviour such as overeating, smoking and infidelity, according to a new study led by UCL researchers, published in the journal Personality and Individual Differences.
Conflict of Interest Disclosures in Clinical Trials Need to be Clearer
Aug 26, 2009 |
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(PhysOrg.com) -- It's standard practice at leading academic medical centers: When enrolling patients in a clinical trial, researchers should disclose relevant financial relationships that might affect a patient's decision ...
Apple 3Q beats Street despite recession
Jul 21, 2009 |
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(AP) -- Apple Inc. seems to have missed the memo - you know, the one about the recession.
