1-Mostly all of the financial institutions offer the same
services. In depository financial institutions such as credit unions and
commercial banks, money contributed into deposit accounts is used to extend
loans to customers. Or in a credit union, to its members.
Commercial banks extend their services privately and publicly (Madura,
2015). Credit unions only extend their services to its members.
Non-depository financial institutions such as finance companies, mutual funds,
and securities firms focus primarily on issuing securities in lieu of lending
to businesses. Consumers have the ability to seek financial services from
product specific financial institutions, however, throughout the years
commercial banks have merged with the different types of institutions to enable
the consumers to consolidate all of their financial needs into one institution.
PLEASE ANSWER THIS
QUESTION IN YOUR OWN WORDS NOT FROM ANYOTHER WEBSITE OR STUDENTS PAPER.
How
do markets impact interest rates?
2-How do
financial institutions interact with financial markets? Describe a current
situation that demonstrates the relationship between them.
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Interest rates and you
3- How the general interest rates are set really depend on
how things are going in the economy overall. These factors include things like
the inflation rate, the unemployment rate and how consumers are spending money.
So when the economy is doing poorly and there are a lot of people unemployed
and spending is low the federal reserve lowers the reserve rate which in turn
will lead to lower overall interest rates from the bank. If the opposite is
true and inflation is high or increasing the federal reserve will raise short
term rates which in turn will lead to higher interest rates and cause the
economy to contract a bit. Now when it comes to rates that consumers are
approved at, it has a lot to do with their individual credit score. Factors
that influence that is credit history, paying loans and bills on time and how
much credit do you have available. This all determines your credit risk and
what the banks think your risk rate should set at. The higher the credit score
the lower your rates will be when you are paying interest. If you have a good
credit score but you haven’t established credit for very long your rates could
still be high until you prove yourself over a length of time. So the best thing
a consumer can do is to establish credit early, pay your bills on time and try
not to accumulate too much debt over time. Eventually you will earn a good
credit score which will in turn yield you lower interest rates.
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4- Aside from the immediate turmoil of
Britain’s decision to exit the EU, there shouldn’t be much concern for most
Americans. Those that hold British assets will see some near term losses
as thing adjust to a new normal. Great Britain is a natural trading
partner for most of Europe and that won’t change with their exit, provided
England doesn’t erect a host of trade barriers. Eventually things will
recover. There are a host of problems with a concept such as the EU.
Though it started as a means to a shared currency and standardized trade rules,
it has morphed into a quasi-legislative body. That doesn’t even take into
account that countries having serious financial difficulties can hold the
stronger countries hostage or face devalued currency. Despite all of the
bluster from some states, I doubt we’ll see anything like a Brexit here.
However, referendums have wreaked havoc in some states. The article
offers some perfect examples of the troubles that California has.
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5- I agree
with you Paul there should not be any major concerns for most Americans. Just
like you mentioned individuals that have assets in Britain will experience some
losses, but I feel that they will balance themselves out. When there is a big
change there usually is a wave of negative response due to the risk on
uncertainty, but just like we have seen before the markets tend to normalize
with time. Great Britain has been through centuries of change, but they always
tend to bring themselves back to a new norm. There is a long list of things to
do to get there though. In the article it mention a few examples of
direct democracy and as a resident of California I see this first hand and let
me tell you that at times it is frustrating. As a business owner I network with
a lot of other business, nonprofits, and government agencies and when I hear
about mandated spending with government agencies and nonprofits because they
need to build it into there budget for the following year, it strikes a nerve
because at times they are letting perfectly good assets go. Most individuals
never really research a measure or proposition when voting on them and the
one’s that rally behind them are usually blinded with the perks of the change,
but never really look at the possible consequences that come with it, nor
the economic impact it has on local businesses and property taxes.
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6- As we
review financial markets and institutions, it’s important for us to consider
how risks are either mitigated or enhanced based on several factors, including
legislative action in various countries. What might be a relatively near term
event that could have a significant impact on the U.S. markets?
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7- While it may take
some time for markets to return to equilibrium (such as after the bottom fell
out in 2008) generally, they do return to a set point. Is there any long term
economic impact when there are major market fluctuations due to events such as
Brexit or a market crash?
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8- What does everything
think about the expansion of commercial banks into the consumer sector? How
does this affect the ways in which consumers conduct their banking activities?
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