- An entity whose income exceeds their expenditure can lend or invest the excess income. On the other hand, an entity whose income is less than its expenditure can raise capital by borrowing or selling equity claims, decreasing its expenses, or increasing its income. The lender can find a borrower, a financial intermediary such as a bank, or buy notes or bonds in the bond market. The lender receives interest, the borrower pays a higher interest than the lender receives, and the financial intermediary pockets the difference.
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Financial services refer to services provided by the finance industry. The finance industry encompasses a broad range of organizations that deal with the management of money. Among these organizations are banks, credit card companies, insurance companies, consumer finance companies, stock brokerages, investment funds and some government sponsored enterprises. As of 2004, the financial services industry represented 20% of the market capitalization of the S&P 500 in the United States. wiki
Finance
Finance is the science of funds management. The general areas of finance are business finance, personal finance, and public finance. Finance includes saving money and often includes lending money. The field of finance deals with the concepts of time, money and risk and how they are interrelated. It also deals with how money is spent and budgeted.
Finance works most basically through individuals and business organizations
depositing money in a bank. The bank then lends the money out to other
individuals or corporations for consumption or investment, and charges
interest on the loans. wiki
金融商品販売法
金融商品販売法での、金融商品販売業者等とは、銀行、證券、保険会社など金融機関をさし、それらの代理業者や取次ぎ、媒介もふくまれます。
対象商品は、ほとんどの金融商品で、預貯金・定期積金、投資信託、保険、共済、有価證券、デリバティブあきない(金融派生商品)などが対象となっています。
ゴルフ会員権やレジャー会員権は、投資など金融商品の側面を持っていますが、本来はサービスの利用を目的として居るため、この法律の対象とはなりません。