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Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following:
- The study of money and other assets
- The management and control of those assets
- Profiling and managing project risks
- As a verb, "to finance" is to provide funds for business.
Examples of some basic financial concepts
The activity of finance is the application of a set of techniques that individuals and organizations (entities) use to manage their financial affairs, particularly the differences between income and expenditure and the risks of their investments.
An entity whose income exceeds its 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
News and Media :: Business
No job turnaround on horizon
Thu, 04 Sep 2008 16:31:20 -0400
Economists expect another weak job report when the government releases its August employment figures Friday. But many also are predicting job losses to continue well into 2009 as well.
Why the Fed cuts haven't worked
Thu, 04 Sep 2008 16:17:44 -0400
It's been almost a year since the Federal Reserve issued the first of what turned out to be seven rate cuts to deal with the credit crisis.
Big Three bailout may be around corner
Thu, 04 Sep 2008 16:07:45 -0400
Plunging auto sales, high gas prices and election year politics could help convince Congress to approve a $50 billion loan package to embattled U.S. automakers that Detroit's Big Three claim is key to their future success.
Latest Business News from Times Online
Fresh credit worries slam euro and the pound
Fri, 05 Sep 2008 07:28:24 -0000
The euro and sterling fell heavily against the dollar today on fresh fears that collapsing credit markets are thrusting Europe headlong into recession.
Car sales crash as economy hits skids
Fri, 05 Sep 2008 00:00:00 -0000
Car sales fell to their lowest level for more than 40 years last month in the most dramatic sign yet that the country is heading into a recession.
Fall in house prices accelerates but Bank of England leaves rates on hold
Fri, 05 Sep 2008 00:00:00 -0000
Homeowners were given assurances but no immediate relief yesterday as house prices fell at the fastest rate in a quarter of a century and the Bank of England decided against cutting the interest rate.
Go-Ahead profits climb 20% on rail boom
Fri, 05 Sep 2008 08:37:02 -0000
Go-Ahead, the rail and bus operator, has seen pre-tax profits climb by a fifth as credit crunch-hit commuters opt increasingly for public transport.
Paul Polman named as new Unilever chief executive
Fri, 05 Sep 2008 00:00:30 -0000
A former top executive of Procter & Gamble and Nestlé will take the helm at Unilever, bringing to an end almost a century of groomed internal inheritance in the Anglo-Dutch food and soap multinational group.
Breakdowns spark National Grid crisis in power supply
Fri, 05 Sep 2008 00:00:00 -0000
The crumbling state of Britain’s electricity network was exposed yesterday when power station breakdowns caused the first energy shortage of the autumn.
NYSE.com Financial News Releases
NYSE Euronext to Issue Third-Quarter 2008 Financial Results and Conduct Conference Call on October 31, 2008
Tue, 02 Sep 2008 12:00:00 -0400
NYSE Euronext Business Summary for July 2008
Wed, 06 Aug 2008 12:00:00 -0400
NYSE Euronext Announces Second Quarter 2008 Financial Results
Fri, 01 Aug 2008 12:00:00 -0400
ABA Banking Online - Journal of the American Banking Association.
Bankrate.com - Consumer-oriented banking news, analysis, comparisons of current rates and fees and other information.
Meta Description: [ Free, objective information and rate quotes for consumer bank products such as mortgage rates, home loans, credit cards, CDs, auto loans, home equity loans, money market funds, personal loans, checking and savings accounts. ]
Board of Governors of the Federal Reserve System - Website of the Federal Reserve, with news, speeches and testimony and other resources.
Meta Description: [ The Federal Reserve Board of Governors in Washington DC. ]
Credit Union National Association - News and resource directory about credit unions.
EUbusiness - Economy and finance news, background information and links about Europe and the European Union.
Meta Description: [ Latest news, background information and web links about Economic and Monetary Affairs policies in the European Union. ]
Financial Modernization Research Station - Links to information resources about financial services regulators and industry groups and other related topics. Compiled by Makoto Okubo.
Meta Description: [ The comprehensive financial services research portal, including banking, insurance, securities regulators, industry organizations,
laws. ]
LatinFinance Magazine - Covers trends, techniques, and development in Latin American finance, investment, and capital markets.
Meta Description: [ For news, trends and analysis on Latin American finance, investment and capital markets, read Latin Finance magazine, For news, trends and analysis on Latin American finance, investment and capital markets, read Latin Finance magazine ]
NewsNow NewsLink: Banking - Contunually updated news links about international banking and finance, culled from over 1000 sources.
Meta Description: [ NewsNow: Banking
]
The Banking Channel - Banking industry portal providing news and resources about community banking, legal issues, bank rankings and more for financial professionals.
Meta Description: [ American Banker Online, an Investcorp company, provides banking news and financial information about banking technology, community banking, regulatory and compliance issues, bank rankings, and other resources, Banking news and financial information about banking technology, community banking, reg... ]
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