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INTRODUCTION Every modern economy is based on a sound financial system a financial system. a set off institutional arrangements through which financial surpluses are mobilized from the unit generating surplus income and transferring them to the others in need of them. The activities which include production, distribution, exchange and holding of financial assets instruments of different kinds by financial institutions, banks and other intermediaries, of other market. Among these organizations,
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  1 INTRODUCTION Every modern economy is based on a sound financial system a financial system. a set off institutional arrangements through which financial surpluses are mobilized from the unitgenerating surplus income and transferring them to the others in need of them. The activitieswhich include production, distribution, exchange and holding of financial assets instruments of different kinds by financial institutions, banks and other intermediaries, of other market. Amongthese organizations, are banks, credit card companies, insurance companies, consumer financecompanies, stock brokerages, investment funds and some government sponsored enterprises? The financial markets have two maor components! they are money market and capital market. Money market The money market refers to the market where borrowers and lenders exchange short term fundsto solve their li#uidity needs. Capital market The capital market is a market for financial investments that are direct or indirect claims tocapital. Securities market $t refers to the markets for those financial instruments claims obligations that are commonly andreadily transferable by sale. $t has two inter dependent and inseparable segments the new issues%primary& market and the stock %secondary& market. the secondary market enables those whohold securities to adust their holdings in response to changes on their assessment of risk andreturn. The primary markets provide the channel of sale of new securities. Stock market A stock market, or e#uity market, is a private or public. 'arket for the trading of company stock and derivatives at an agreed price, these are securities listed on a stock exchange as well as those  2 only traded privately. The size of the world stock market is estimated at about ()*.* trillion us atthe beginning of october+- FOREX MARKET The foreign exchange market %currency, forex , or /& market is where currency trading takes place .it is where banks and other official institutions facilitate the buying and selling of foreigncurrencies . The / market is one of the largest and most li#uid financial markets in the world,and includes trading between large banks, central banks, currency speculators , corporations,governments, and other institutions.  3 !at is ol# $oan% As the name suggest its loan against 0old. $t1s the most convenient way to receive cash in no time from any 23453ank by pledging your 0old ornaments54oins5bars5Exchange traded funds ETs5 63$ gold certificates etc., this is one loan product which comes with minimal documentation 7 no processing time in short its over the counter product. 8roduct is designed in a way it ensures hassle free process for the customer 7 loan availed can  be put to any use. 9oan amount eligibility is evaluated basis on the 0old value banks usually fund : -; of the gold market value 7 on repayment of the loan gold deposits are returned back to the customer. This loan comes much cheaper than  personal loan as it1s a secured product 7 rate of interest ranges between <<.= +>; per annum. ate of interest is decided on two factors risk criteria % @hat ; of market value of 0old you are availing loan if its ; of the 0old market value then interest charged will be higher 7 vice a versa for lower loan amount as compared to gold value& 7 customer relationship with the bank. Features o& ol# $oan' B astest loan disbursalB 'ost convenient way to arrange fundsB 9ow CocumentationB 2o pre payment chargesB 2o loan amount cap %you can avail as low as <,&  4 INDUSTR( )ROFII$E   FINANCIA$ SER*ICES INDUSTR( There is a potential source of confusion regarding careers in finance. Dn the one hand, there is afunction called finance that is common to all business enterprises, in every industry. Dn the other hand, there is a financial services industry. The primary focus of this guide site is on the latter definition. Additionally, note that the finance function is but one of many possible career pathswithin the financial services industry. INDIA+S FINANCIA$ SER*ICES INDUSTR( An innovative, competitive and thriving financial services industry in any country plays a vitalrole in its smooth functioning and development. $ndias financial services sector has posited astable growth curve over the years driven by sound fundamentals, rising personal incomescorporate restructuring, financial sector liberalization and the growth of a consumer oriented,credit oriented culture. This has led to the increasing demand for financial products, includingconsumer loans %especially for cars and homes&, as well as for insurance and pension products.The soaring demand for financial services offers promising investment prospects.According to the 4entral 6tatistical Drganization %46D& data, released early this year, financialservices, banking, insurance and real estate sectors rose by .: ; + <.
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