Fin 100

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Complexities of the U.S. Financial System
Joshua Curtiss
Strayer University
Professor Haroon Rasheed Baqai
Finance 100
24 July 2013

* Describe how the U.S. financial markets impact the economy, businesses, and individuals. The U.S financial markets impact the economy, businesses, and individuals by, helping to skillfully direct the flow of savings and investment throughout the economy in ways that facilitate the increase of capital and the production of goods and services. The worth of credit and returns on investment provide helpful signs to producers and consumers. These signs help direct funds from savers and businesses to the consumers, businesses, governments, and other type of investor. Also, the existence of healthy financial markets and institutions also accelerates the international flow of funds between countries, helping the local economy. In addition, efficient financial markets and institutions tend to lower search and transactions costs in the economy, with potential savings of millions per year. By providing a large range of financial products, with fluctuating risk and pricing structures as well as maturity a well-built financial system offers products to participants that provide borrowers and lenders with a close match for their needs. Businesses, individuals, and governments in need of capital can easily discover which financial institutions or which financial markets may offer a particular funding and what the cost will be for the borrower. This allows investors to compare the cost of financing to their anticipated return on investment, so they can make the correct investment choice that best suits their needs.

* Explain the role of the U.S. Federal Reserve, the Federal Reserve Chairman, and Board, indicating its effectiveness in today’s economic environment. Provide support for rationale.

The Role of the U.S…...

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