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Stack #4634353
| Question | Answer |
|---|---|
| refer to the places where buyers and sellers of financial assets such as stocks, bonds, currencies, and commodities, come together to trade | Financial Markets |
| Where new securities are issued and sold to investors. | Primary markets |
| Where existing securities are traded among investors. | Secondary markets |
| stock markets, bond markets, commodity markets, and foreign exchange markets. | Examples of financial markets |
| allocate capital to companies and governments, and provide individuals and institutions with investment opportunities. | Role of financial markets |
| institutions or individuals that act as a link between savers and borrowers in the financial market. | Financial intermediaries |
| They act as a 'middleman' between those who have money to invest and those who need funding. | Function of financial intermediaries |
| banks, credit unions, insurance companies, investment companies, and pension funds. | Examples of financial intermediaries |
| ___ can be categorized into: Deposit - type institutions, Contractual savings institutions, Investment funds, Other types of financial intermediaries. | Categories of financial intermediaries |
| financial intermediaries that primarily accept deposits from the public and use those funds to make loans or investments. | Deposit-type institutions |
| They offer a wide range of services such as accepting deposits, making loans, issuing credit cards, and providing other financial services to consumers and businesses. | Commercial banks |
| They focus on taking deposits from the public and making mortgages to homebuyers. | Savings and loan associations |
| They are non-profit organizations that are owned and controlled by their members. | Credit unions |
| financial intermediaries that collect funds from savers through a contractual agreement and invest those funds in a variety of financial assets. | Contractual savings institutions |
| They are institutional investors that collect funds from employees and employers to provide retirement benefits to employees | Pension funds |
| They collect premiums from policyholders and invest those funds in a variety of financial assets to provide death benefits to policyholders and to generate income for the company. | Life insurance companies |
| They collect premiums from policyholders and invest those funds in a variety of financial assets such as stocks, bonds, and real estate. They pay policyholders for covered losses. | Casualty insurance companies |
| that pool money from many investors and use those funds to invest in a wide range of financial assets. | Investment funds |
| They are open-end funds that issue shares to investors and redeem them at the fund's net asset value (NAV). | Mutual funds |
| They are open-end funds that trade on stock exchanges like stocks. | Exchange-traded funds |
| They are funds that issue a fixed number of shares that trade on stock exchanges like stocks. | Closed-end funds |
| They are private investment funds that are open to a limited number of investors and use a variety of strategies to generate returns, including leveraging and short-selling. | Hedge funds |
| They are financial intermediaries that typically specialize in providing credit to individuals and businesses that may not qualify for loans from traditional banks. EX: consumer finance companies, business finance companies, sales finance companies. | Finance companies |
| They specialize in providing credit and other financial services to individuals and households. Examples include credit card companies, personal loan companies, auto loan companies, home equity loan companies, payday loan companies, etc. | consumer finance companies |
| They specialize in providing credit and other financial services to businesses. They provide a range of products such as small business loans, invoice factoring, equipment leasing, merchant cash advances, business line of credit, etc. | business finance companies |
| they specialize in providing financing to consumers for the purchase of goods and services. They may work directly with retailers and manufactures, providing financing to consumers who are buying goods and services from these businesses. Examples include | sales finance companies |
| This refers to the sale of securities, such as stocks or bonds, to the public through an initial public offering (IPO). Regulated by the Securities and exchange commission (SEC). | Public Offering |
| This refers to the sale of securities to a limited number of investors, typically high net worth individuals or institutional investors without a public offering. They do not have as many regulations and disclosure requirements. | Private Offering |
| This refers to the markets where securities, such as stocks and bonds, are issued for the first time to the public. | Primary Markets |
| The most common type of primary market transaction is ____ where a private company goes public and sells its stock to the public for the first time. | Initial Public Offering (IPO) |
| This refers to the markets where securities that have already been issued and sold in the primary market can be bought and sold among investors. Efficient and cheap. Ex: stock exchanges, over-the-counter markets, and bond markets. | Secondary Markets |
| the buyer of the security is acquiring ownership from another investor, rather than from the issuer of the security. | Secondary Market Transaction |
| Are regulated marketplaces where securities such as stocks, bonds, options, and futures are traded among buyers and sellers. A Centralized platform for trading, ensuring transparency, fairness, and efficiency of price discovery. Ex: New York stock exchang | Organized Security Exchanges |
| Refer to financial markets where financial instruments, such as stocks, bonds, and derivatives, are traded directly between two parties, without the need for an organized exchange. No centralized platform for trading, works through dealers, brokers, and f | Over-The-Counter (OTC) Markets |
| A segment of the financial market that deals with short-term investments. Short-term borrowing and lending of funds take place such as treasury bills, certificates of deposit, and commercial paper. Secure and liquid place for short-term investments | Money Market |
| A segment of the financial market that deals with long-term investments (more than a year). Financial instruments such as bonds, stocks, and mutual funds are bought and sold. Raise long-term capital for companies and governments. | Capital Market |
| what does the household provide for the business sector? | spending for goods and services |
| what does the business sector provide for the household sector? | spending for resources (labor, capital, land, entrepreneurship) |
| what does the financial sector offer the household, government, and business sectors? | lending |
| what does the household, government, and business sectors offer the financial sector? | saving |
| what does the government offer the business sector? | subsidies and spending for goods and services |
| what does the business and household sector provide the government sector? | tax payments (land, labor, capital, entrepreneurship) |
| what does the government sector offer the household? | spending for resources and transfer payments (welfare, pension, SNAP) |
| Long-term planning for business direction. | Strategic Management |
| Focuses on value production, not quantity. Adapts and anticipates, perspective, opportunistic, priorities, seeks input, analyzes, is a coach, eyes on future, balanced, problem solver. | Strategic Manager |
| Viewing business from a systems perspective. | Strategic Thinking |
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