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Financial Market

Definition: Financial Market refers to a marketplace, where creation and trading of financial assets, such as shares, debentures, bonds, derivatives, currencies, etc. take place. It plays a crucial role in allocating limited resources, in the country’s economy. It acts as an intermediary between the savers and investors by mobilising funds between them.

But a quick look at the changing skyline betrays a frustrating reality: Those shiny new towers have failed to deliver the type of housing most New Yorkers can afford. “There is a disconnect between what we’re building and what we need to build,” said Jonathan J. Miller, the president of the appraisal firm Miller Samuel. “2015 is going to be more of that.”
威尔·史密斯早年成名,那是上世纪80年代末90年代初,他做嘻哈组合"DJ爵士杰夫&活力王子"的后期成员时。然而,虽然他赚得盆满钵盈,却不善于管理金钱。这真是个老掉牙的故事。名望、金钱扑面而来;却没有远见,空有一堆玩物,最终导致超支。对财产的监管意识与责任感的缺失,让他从富有的顶峰一下跌到破产的边缘。没落之后,他欠政府的退缴税一直没能偿还。

Functions of Financial Market

The future is always bright if you are an entrepreneur, and the opportunities to create new ventures based on the digitisation of age-old services has a long way to run.

  • It facilitates mobilisation of savings and puts it to the most productive uses.
  • It helps in determining the price of the securities. The frequent interaction between investors helps in fixing the price of securities, on the basis of their demand and supply in the market.
  • It provides liquidity to tradable assets, by facilitating the exchange, as the investors can readily sell their securities and convert assets into cash.
  • It saves the time, money and efforts of the parties, as they don’t have to waste resources to find probable buyers or sellers of securities. Further, it reduces cost by providing valuable information, regarding the securities traded in the financial market.

The financial market may or may not have a physical location, i.e. the exchange of asset between the parties can also take place over the internet or phone also.

Classification of Financial Market

classification of financiak market

  1. By Nature of Claim
    • Debt Market: The market where fixed claims or debt instruments, such as debentures or bonds are bought and sold between investors.
    • Equity Market: Equity market is a market wherein the investors deal in equity instruments. It is the market for residual claims.
  2. By Maturity of Claim
    • Money Market: The market where monetary assets such as commercial paper, certificate of deposits, treasury bills, etc. which mature within a year, are traded is called money market. It is the market for short-term funds. No such market exist physically; the transactions are performed over a virtual network, i.e. fax, internet or phone.
    • Capital Market: The market where medium and long term financial assets are traded in the capital market. It is divided into two types:
      • Primary Market: A financial market, wherein the company listed on an exchange, for the first time, issues new security or already listed company brings the fresh issue.
      • Secondary Market: Alternately known as the Stock market, a secondary market is an organised marketplace, wherein already issued securities are traded between investors, such as individuals, merchant bankers, stockbrokers and mutual funds.
  3. By Timing of Delivery
    • Cash Market: The market where the transaction between buyers and sellers are settled in real-time.
    • Futures Market: Futures market is one where the delivery or settlement of commodities takes place at a future specified date.
  4. By Organizational Structure
    • Exchange-Traded Market: A financial market, which has a centralised organisation with the standardised procedure.
    • Over-the-Counter Market: An OTC is characterised by a decentralised organisation, having customised procedures.

The nearest star, Proxima Centauri, has a planet orbiting it not much bigger than Earth. Its "year" is only 11 days. But it's in the habitable zone because Proxima Centauri is a red dwarf star about 100 times fainter than the sun. And there's hot news that a similar star, 40 light years away, may have three planets in its habitable zone.
But that idea did not bring Brexit to the UK or Mr Trump to Washington.
No one in Detroit has forgotten the snowstorm of 1999, when airplanes were mired for hours on the tarmac at Detroit Metropolitan International Airport. Likewise, US Airways encountered its own holiday mishap in 2004-05, when more than 72, 000 bags were lost or damaged.
补救办法:虽然自己当老板的想法很诱人,但并不是每个人都适合创业。创造属于自己的事业,让家人过上幸福生活,改善顾客的生活,这些听起来肯定很浪漫,但漫长的工作时间、没有闲暇时间、承担资金风险,身兼老板、职员、营销人员、会计和门卫等多个职位于一身,这些你能承受吗?如果你喜欢稳定的工作和专注于某项具体任务而不是身兼多职,又或者你不喜欢冒险,你就无法想象整天为工作忙碌的生活。如果你属于以上情况,那么创业并不适合你。

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