储蓄投资金融体系26.pptx

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储蓄投资金融体系26.pptx

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Saving,Investment,and

theFinancialSystem26

FinancialInstitutionsintheU.S.EconomyFinancialsystemGroupofinstitutionsintheeconomyThathelpmatchOneperson’ssavingWithanotherperson’sinvestmentFinancialmarketsFinancialinstitutionsSaverscandirectlyprovidefundstoborrowers2

FinancialInstitutionsintheU.S.EconomyFinancialmarketsThebondmarketBondCertificateofindebtednessTimeofmaturity-atwhichtheloanwillberepaidRateofinterestPrincipal-amountborrowedTerm-lengthoftimeuntilmaturityCreditriskTaxtreatment3

FinancialInstitutionsintheU.S.EconomyFinancialmarketsThestockmarketStockClaimtopartialownershipinafirmOrganizedstockexchangesStockprices:demandandsupplyEquityfinanceSaleofstocktoraisemoneyStockindexAverageofagroupofstockprices4

FinancialInstitutionsintheU.S.EconomyFinancialintermediariesFinancialinstitutionsSaverscanindirectlyprovidefundstoborrowersBanksTakeindepositsfromsaversBankspayinterestMakeloanstoborrowersBankschargeinterestFacilitatepurchasingofgoodsandservicesChecks–mediumofexchange5

FinancialInstitutionsintheU.S.EconomyFinancialintermediariesMutualfundsInstitutionthatsellssharestothepublicUsestheproceedstobuyaportfolioofstocksandbondsAdvantagesDiversificationAccesstoprofessionalmoneymanagers6

SavingInvestmentinNationaleAccountsSomeimportantidentitiesGrossdomesticproduct(GDP)TotaleTotalexpenditureY=C+I+G+NXY=grossdomesticproductGDPC=consumptionG=governmentpurchasesNX=netexports7

SavingInvestmentinNationaleAccountsSomeimportantidentitiesClosedeconomyDoesn’tinteractwithothereconomiesNX=0OpeneconomyInteractwithothereconomiesNX≠08

SavingInvestmentinNationaleAccountsSomeimportantidentitiesAssumption:closeeconomy:NX=0Y=C+I+GNationalsaving(saving),STotaleintheeconomythatremainsafterpayingforconsumptionandgovernmentpurchasesY–C