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Finance essay sample

February 25th, 2011 No comments

There has been an increased level of competition among financial intermediaries since the late 1990’s and it will continue into the new millennium. The large players in this increased competition are the nonbank financial intermediaries. Our text explains that nonbanks are “other intermediaries and non-financial companies that have taken an increasing share of intermediation” (Burton & Lombra, 311). The text continues that these banks face much less regulation than traditional banks, which translates to significantly lower costs. This factor is allowing nonbank intermediaries to create a stronghold on the market, which is at its highest profit rates in history (312). What, exactly, are these intermediaries doing to banking?

Nonbanks play an important dual role in the financial system. They complement the role of commercial banks by filling gaps in their range of services. But they also compete with commercial banks and force them to be more efficient and responsive to the needs of their customers. Most nonbanks are also actively involved in the securities markets and in the mobilization and allocation of long-term financial resources. Pension funds and other institutional investors that move large long-term financial resources, act as intense opposition to the once dominant commercial banks. Nonbank financial intermediaries include various institutions, such as leasing, factoring, and venture capital companies to various types of contractual savings and institutional investors (pension funds, insurance companies, and mutual funds). The common characteristic of these institutions is that they mobilize savings and facilitate the financing of different activities, but they do not accept deposits from the public. The lack of public deposit capabilities is beginning to change, however, with the institution of on-line banking. Since on-line banking is the most prominent of the nonbank financial intermediaries, it will be our main focus. Read more…

International Finance Essay

November 2nd, 2009 No comments

Your International finance essay may be frustrating because it can be difficult to gather the right amount of information to fit the needs of the assignment. You will want to review the topic you will cover carefully and begin very simply with online resources. This is also just a beginning – that will get you started, because most colleges and universities have access to a database that will be filled with economic information for any country you select. The database you use may be easier to use once you have selected the countries you wish to use from sources online. Each country your select to review must fit into the profile requirements of your instructor.

If your instructor has provided you with a syllabus and a rubric that gives you information regarding this assignment, it is essential to read this information carefully before beginning your assignment. Most assignments are done incorrectly because the student has not read the materials for the course or the requirements of the assignment. This is the easiest problem to solve and should be a first step in all assignments for all courses throughout your education.

The second most common error that students make with developing International finance essays is forgetting the significant role that laws play in influencing the interactions between countries – it is not just each countries domestic laws and policies that play an important role – but also neighbor countries and international policies. Establish the parameters of your assignment and review the information found online and in your school’s database while writing your essay. It is very important to understand the needs of your assignment in order to prevent gathering too much information that you will not need.