Banks are financial institutions established in accordance with the law to operate monetary credit business, and they are the products of the development of commodity monetary economy to a certain stage.
Securities are all kinds of economic rights and interests certificates, and also refer to specialized products. It is a legal document used to prove that the holder enjoys certain rights. Mainly including capital security, currency securities and commodity securities.
Insurance is a contractual economic relationship? From the perspective of economics, insurance is a financial arrangement to share unexpected losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.
Extended data:
Financial instruments refer to financial assets that can be traded in the financial market, and are written documents to prove the balance of funds between borrowers and borrowers. The most basic elements are the amount paid and the terms of payment.
Financial instruments such as stocks, futures, gold, foreign exchange and insurance policies are also called financial products, financial assets and securities.
Because it is a product that can be bought and sold in the financial market, it is called a financial product; Because they have different functions and can achieve different purposes, such as financing and hedging, they are called financial instruments.
In the qualitative and classification of assets, they belong to financial assets, so they are called financial assets; They are legal documents that can prove the relationship between property rights and creditor's rights and debts, so they are called marketable securities. Most financial instruments or products, assets and securities have different degrees of risk.
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