ISSN: 2044-9038 (Print) 2044-9046 (Electronic)

Clinical Practice

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 Finance may be a term for matters regarding the management, creation, and study of cash and investments. Specifically, it deals with the questions of how and why a private, company or government acquires the cash needed - called capital within the company context - and the way they spend or invest that cash. Finance is then often split per the subsequent major categories: finance , personal finance and public finance. At an equivalent time, and correspondingly, finance is about the general "system"  - i.e. the financial markets that allow the flow of cash , via investments and other financial instruments, between and within these areas; this "flow" is facilitated by the financial services sector. A serious focus within finance is thus investment management — called money management for people , and asset management for institutions — and finance then includes the associated activities of securities trading & stock broking, investment banking, financial engineering, and risk management. The lending is usually indirect, through a financial intermediary like a bank, or via the acquisition of notes or bonds (corporate bonds, government bonds, or mutual bonds) within the bond market. The lender receives interest, the borrower pays a better interest than the lender receives, and therefore the financial intermediary earns the difference for arranging the loan. A bank aggregates the activities of the many borrowers and lenders. A bank accepts deposits from lenders, on which it pays interest. The bank then lends these deposits to borrowers. Banks allow borrowers and lenders, of various sizes, to coordinate their activity.

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