金融学留学论文代写范文节选：金融系统所扮演的角色-The Roles That A Financial System Performs。当个人、企业和政府给金融体系指令,金融系统就需要做出回应,将资金转移到其他各方。我们在生活的方方面面都离不开金融体系。那么它所扮演的是什么样的角色呢?

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　　当个人、企业和政府给金融体系做出指示,金融系统就需要做出回应,将资金转移到其他各方。例如,当一个旅行者在国外使用信用卡获得现金,或者当一个公司需要支付从国外进口货物的资金,金融系统就将完成交易。金融系统使国家的政府存款基金直接转到个人银行账户成为可能。此外,金融系统允许在两个不同国家之间的资金转移变得容易和便宜,无论当前付款人有多少使用货币的需求。旅行者最喜欢这个是在当通信中断时,在她所依赖的获得周末开支现金的银行机器上没有免除她所期望获得的现金。

　　储蓄者的分类分成“赚的比他们花的多的个人”和的“利润超过他们的资本支出的企业”。我们假设,钱是被花将不会被节省下来的。当个人节省,他们通常会分配一些盈余的资金以现金或无息存款的方式来进行存款,一些回报形式如有息证券或存款或其他预期收益率证券股息收入和资本收益。在发达国家,个人的储蓄被分配在银行存款,退休金和共同基金,投资和有价证券当中。通常情况下,个体的比例将根据每种类型的平均回报收益率在这些投资之间分配。这意味着,平均回报率同时也意味着更大的风险,消费者会在预期收益和风险收入回报之间做出权衡。

　　When the individuals,business and government give instruction to the financial system,financial system need to respond and do transfer funds to other parties.For example,when a traveler uses the credit card to obtain cash in a foreign country,or when a firm needs to pay for the import from abroad,the financial system will complete the transaction.Financial systems make it be possible for countries’government to deposits fund straightly into individuals’bank accounts.Moreover,financial system allows the transfer funds between two different countries to become easy and cheap,regardless any currency the payer desires to use.The traveler loved this most acutely when communications are disrupted and the banking machines on which she is relying for her weekend expenditures do not dispense the cash she expected to obtain.

　　The classifications of savers are the individual who earn more than they spend and businesses whose profits exceed their capital expenditures.We assume that,the money which been spend will not be the saving.When individuals save,they usually allocate some of their surplus funds in cash or non-interest-bearing deposits,some in return forms such as interest-bearing securities or deposits or other securities expected to yield a combination of dividend income and capital gains.In the developed countries,individuals’saving is assigned among bank deposits,investments in pension and mutual funds,and marketable securities.Normally,the proportions of individuals will distribute between those investments is according to the average returns each type yields.It means that,the greater average returns always mean greater risk as well,and consumers make tradeoffs between expected return and the risk of earning that return.

　　Businesses are just like individual who hold a combination of liquid assets having no or low returns,and other financial assets such as securities,typically bearing higher returns.However the goal of investment between businesses and individual are different,as a result the particular combinations of financial assets they hold are also totally different.For example,businesses and individual always will consider at least to some extent on how unpredictable it’s short term cash inflows and outflows are likely to be.

　　Most of the savers want a reasonable return on their saving,and they do ensure their funds are invested safely.Since most of the investors are risk averse,they demand asset return matching with the perceived risk of investment.The important conclusion of modern financial theory is the investor demand a yield premium that increase with investment risk.A simple example is individuals tend to buy stock rather than bonds because they consider stocks to be riskier and have higher expectation than bonds.