Secondary ministry of special education tashkent financial institute department of finance


Composition of international Financial Markets



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Composition of international Financial Markets. 
 
we must first understand that financial market consists of majorly two types of 
institutions. The first one is depository institutions, and the other is non- depository 
institutions. 
These institutions take deposits from the investors, i.e. individuals and 
organizations and further invest this fund into debt instruments or give out as loans 
in the debt market. 
The four essential types of depository institutions are explained below: 
Commercial Banks: The financial institutions which accept deposits from 
the individuals or firms (investors) and utilize this money to grant loans and 
advances are known as commercial banks. 

Mutual Savings Banks: When the trade union members or the corporate employees of 
a particular institution cooperatively form a savings bank to benefit the members 
involved, it is called as a mutual savings bank. 


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Credit Co-operative Societies: It is somewhat similar to the mutual savings bank. In a 
credit co-operative society, the individuals from a particular locality or with the same 
objective come together to become members by investing and holding the shares. 
These members can take loans or advances as and when required by them at a 
competitive price from such co-operative society. 
Savings and Loan Associations: It is an association formed and managed by 
individuals who pool in their savings to provide the funds for mortgage loans and 
benefit from such advances. 
Non-Depository Institutions 
The institutions which function as financial intermediaries and not as banks, and 
hedges the risk of loss at the same time are called non-depository institutions. 
Some of the well known non-depository institutions are as follows: 
Pension Fund Institutions: The government and private sector companies 
deduct some amount yearly from the employees’ salary to deposit it into the pension 
schemes. These pension fund institutions further block this amount into beneficial 
long-term assets. 
Mutual Fund Companies: These companies accept deposits from various 
small investors every week or month or year. Then, they invest it in a different class 
of assets and generate profit for such investors. 
Insurance Companies: The company which provides security from several 
risks, by acquiring a monthly or yearly premium from the insured person or business 
entity is known as an insurance company. 
These companies invest the premium collected from life insurance policies into long-
term assets or loans and advances. Whereas, the premium from fire, theft, accident
medical and other such insurances are invested in short-term opportunities. 


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Brokerage Firms: The firms which deal in the equity or debt market to make 
commission or brokerage by facilitating transactions between the buyers and the 
sellers is known as a brokerage firm.
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Moreover, private companies have raised concerns about local authority 
growth plans that do not comply with newly enacted regulations on private property 
rights. Expropriation of small businesses' property in favor of well-connected 
corporations or construction projects backed by state or local governments has been 
confirmed. The implementation of laws securing intellectual property rights is also 
missing.
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https://theinvestorsbook.com/ 


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