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Investment Banking Two basic methods exist for transferring funds from savers to users. The indirect transfer occurs through a financial intermediary such as a bank. You lend funds to the bank, which in turn lends the funds to the ultimate borrower. (The role of commercial banks and the various types of financial intermediaries was covered in Chapter 2.) The alternative is the direct sale of securities to investors in the primary market. While most purchases of stocks (and bonds) occur in the secondary markets such as the New York Stock Exchange, the initial sales occur in the primary markets. The primary and secondary markets perform different functions, but both are important financial institutions. Secondary markets increase your willingness to buy securities and primary markets are the means by which your savings are transferred to firms and governments. The initial sale of a security in the primary market is often executed with the assistance of investment bankers. While this initial sale occurs only once, it is exceedingly important, because it is the process by which securities come into existence. If firms and governments did not issue securities, you would have to find alternative uses for your savings. Firms and governments, however, do need funds, and they tap your savings through issuing and selling new securities in the primary markets. The secondary markets provide you with a means to sell these securities (or buy more) once they have been issued. This chapter also briefly describes the major federal laws that govern the issuing and subsequent trading in securities. The purpose of this legislation is not to ensure that you will earn a positive return. Instead its purpose is to ensure that you and all investors receive timely and accurate information. You continue to bear the risk associated with buying stocks and bonds. The Transfer of Funds to Business One purpose of financial markets is to facilitate the transfer of funds from individuals (and firms and governments) with funds to invest to those individuals (and firms and governments) that need funds. One method is an indirect transfer through a financial intermediary such as a commercial bank. The other method is the direct investment in the firm by the general public. This transfer occurs when you start your own business and invest your savings in the operation. But the direct transfer is not limited to investing in your own business. Firms (and governments) also raise funds by selling securities directly to the general public. The Role of Investment Bankers While companies could sell securities directly to you (and some do sell modest amounts of securities through programs such as the dividend reinvestment plans described in Chapter 10), the majority of these sales are executed through investment bankers. In effect, an investment banker serves as a middleman to channel money from investors to firms and governments that need the funds. If this sale is the first sale of .
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Derivatives Ppt
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Derivatives Prof.L. Augustin
Amaladas M.com.,AICWA.,PGDFM.,B.Ed. 5 th December 2007 What do you mean by rest?
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