Cuvinte in limba engleza folosite in mediul economic

Cuvinte in limba engleza folosite in mediul economic
• Credit Union=a financial cooperative organizations of individuals with a common affiliation (such as employment, labor union membership, or place of residence). Credit unions accept deposits of members, pay interest (dividends) on them out of earnings, and primarly provideconsumer installment credit to members.
• Creditworthiness=a creditor's measure of a consumer's or company's past and future ability and willlingness to repay debts.*a system popular in North America, by which people with a common bond collaborate to put their savings in a joint fund; members can then apply to borrow from thefund and make repayments at an annual interes rate.

Cuvinte in limba engleza folosite in mediul economic
• Depositary=an agent authorized to place funds, securities in safekeeping in a depository institution.
• Depository=a bank holding funds or maketable sercurities usually under a specific agreement.
• Financial intermediary=any organization that accepts funds from one party and passes these funds to another, making their profit by an interest rate margin.
• Financial market=a market not necessarily with a physical presence where money is either bought and sold or borrowed and lent.
• Financial supermarket= a name given to describe the major banks in the uk; since they are able to provide any financial service required they have been compared with a supermarket.
• Investment Bank= a bank that acts as an intermediary between entities that want to issue securities and investors; it may also be involved in controlling portofolios, advise on mergers, takeovers, privatization.

Cuvinte in limba engleza folosite in mediul economic
• Merchant Bank=specific to the Uk, currently considered an Acceptance House, its main functions are dealing with acceptance and discounting of bills of exchange and trade finance; it also deals with mergers, takeovers, share placing, new issues of securities, investment management; the origins of such institutions stemmed from trading as merchants with specialized knowledge in certain commodities or regions of the world; eventualy as banking become more important to them then acting as merchants they were given the popular name of "merchant banks".
• Bank deposit= funds placed with a bank in a saving account or in a demand account subject to withdrawal.

Cuvinte in limba engleza folosite in mediul economic
• Borrower=a person or group that obtains funds from a lender for a particular period of time. They assume
legal obligations for the repayment of the load principal plus interest.
• Cash in hand= the amount of money held in the form of notes and coins by a person or business.
• Funding=the means of raising cash to invest in earning assets; banks fund their assets with deposit and non-deposit liabilities.
• Globalisation=the internalisation of financial institutions and markets.
• Hedge Fund=private investment partnership or an offshore investment corporation in which the general partner has made a substantial personal investment in order to invest in many markets; this funds often take large risks and speculative strategies.
• Leverage=the use of debt financing by a firm.