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Business Loans for Women
The Small Business Administration states that business loans for
women are on the rise, and will continue to be needed on an
increasing basis in coming years. Business loans for women are
more popular than ever due to a variety of factors.
...
Farm and ranch loans
If you are considering the purchase of either a farm or a ranch, you know that the cost of purchasing your property can exceed one million dollars. Quite frankly, not that many people are resourceful enough to fund this purchase themselves. Farm and...
Finding Fast Online Loans
Fast online loans can be a godsend… the money that you need delivered to you when you need it. Unfortunately, it can sometimes be difficult to find fast online loans, especially for those individuals who have less than perfect credit.
Of course, a...
The History of Business Loans
The first business loans possibly date back to ancient Greece. One of the most important services offered by Greek bankers was the lending of money to finance the carriage of freight by ships. They also lent money for mining, and construction of...
Tips for Finding Quick Loans Online
If you're looking for quick loans online, you might not know how to begin your search. While there are a large number of lenders who offer quick loans online, it can sometimes be difficult to know exactly where to find them if you don't know what...
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Today's Banks Are Not Just For Mortgages, Loans and Investments
In today's capitalist world where security is one of the utmost
concerns, the typical problem facing an individual is financial
security. Money-related questions typically asked are: "Where
can I keep my money? What is the best way to invest it and make
it grow? Who can I borrow money from?" And the answer: a bank -
a financial institution dealing with financial concerns.
Banks are known to provide financial services, from storing
assets (liquid or otherwise) to extending credit. From a bank
customer's point of view, this translates to services ranging
from making deposits to asking for a loan. People are now even
capable of paying their bills and most of their purchases thru
different banking methods.
Historically, banks have been seen as heartless and
opportunistic. They were seen as vicious businesses victimizing
the innocent and honest. Of course, eventually, through time,
this view has drastically changed. Banks today are one of the
highly-respected and successful business establishments in the
country. Now that people are more educated about the banking
operations, they have learned to trust these businesses with not
only their savings and assets, but with other transactions as
well.
It is said that the word bank came from the Italian word banca,
which came from Germany and means bench. Money lenders (now
popularly known as "loan sharks") from Northern Italy used to
conduct their business in open areas, each working from his own
bench. Similarly, the term bankrupt (which means broke) was
derived from the term banca rotta, or a broken bench.
Now, I'm sure you've heard of central banks, savings banks,
commercial banks, private banks, etc. What differentiates one
from the other? There are many types of banks.
In a nutshell, here are some of the more popular ones and what
commonly distinguishes each from the others:
Central banks are usually charged with
controlling the monetary
policies, including the money supply. They are also tasked with
the printing of paper money. Savings banks traditionally offer
services like savings and mortgages. But at present, they have
expanded to offer other forms of financial assistance.
Commercial banks usually offer financial services to large
corporations or businesses. Private banks manage the assets of
the ultra-rich. They are usually located in jurisdictions with
low taxation and regulation (Yes, those infamous Swiss banks and
Swiss accounts...).
There are also merchant banks, which provide capital to firms in
the form of shares rather than loans; investment banks, which
deal with selling of stocks and bonds and with advising on
mergers; retail banks, where the primary customers are
individuals and; universal banks, which offer diversified
financial services and engage in several different banking
activities.
How does such a business earn its money? Traditionally, a bank's
main sources of income come from transaction fees from its range
of financial services and from the interests it charges for its
loans. But in the past years, banks have evolved to ensure their
continued profitability despite the changing market conditions.
Banking, investment and insurance functions were merged to cater
to the consumer's "one-stop shopping" mentality.
Indeed, banks have come a long way from the time they conducted
their business on benches. They are changing because people are
changing. And it all started on the day when man felt that his
valuables were no longer safe in his own home. After all, anyone
can sleep more peacefully at night knowing that his assets are
tucked away in a secure place.
About the author:
David Arnold Livingston is a business owner and money manager
with many years of successful financial experience. Visit:
http://www.fenbanks.com/ for lots of great banking information
and ideas.
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