ymogun2 - Finance and Financial Design Blog

You can not copy money like this. It is punishable to use counterfeit bills that look the same as money. But you might have thought that once more you want more money. Can you give me a lot of money from the country? As the money grows, people will buy things they've always wanted to buy. But things can not be made as infinite as they want. If something is missing, the price will go up. So the market so much money, prices are up significantly, the development of the price of the goods to be much more bloated than the actual value of inflation ( inflation 'm called). On the contrary, the phenomenon that the prices continue to fall and economic activity stagnates is called deflation . I think it would be a good idea to buy goods at a low price if the price goes down due to deflation, but it is not. If the price goes down, things do not sell well. I'm hoping that the value of the goods will fall further and people do not buy things. Companies can not sell things...

Yesterday I asked my mom to raise my allowance and I was sad. My mom says that when I was a child, I was saved even if I had less pocket money than I did. Once upon a time, it was 100 won for a fishbowl, 500 won for a dish of rice cake. Nowadays, they do not sell 1,000 pieces of rice cake. Also, yesterday, when I got 1,000 won, my notebook went up to 1,200 won. The value of the goods keeps rising, but my pocket money is in place, maybe it is good! Causes and solutions of inflation - Why would price 1) rise? If the price goes up and the value of the money goes down, go to the mother and the market or a large mart. If the 500 won ice cream went up to 700 won, what was the value of money? You can say that the value of money has fallen because you have to spend 200 won more. In addition to the price of notebooks, the price of other commoditieswill increase and you will have to spend more money than now, so the value of money will be lower and you will need more money. Inflation is ...

"It is money that is wide and wide ..." Whenever an empty wallet is sad, it is a complaint. So seriously and more seriously. How much is the money that 's been around a lot. Obviously, the money that the Bank of Korea has taken is not everything. Even if you do not care about monetary economics tremendously , you may have learned about money multiplier and credit creation if you have learned economics in secondary school . The notion of reserves for the payment of the bank comes at this time. On the basis of this, the Bank of Korea measures M1, M2, and M3 currency levels and conducts a professional analysis of how much liquidity is released on the market. The process of creating another money (called credit money) as the money taken by the central bank is distributed to the public through banks is called 'credit creation'. It is because of the global crisis that these words, which appeared in textbooks, are used frequently and frequently these days. Because ...

When a bank deposits its first deposit (the first deposit received), the bank leaves only a certain amount of reserves, and the rest of the loans are made. If the loan is used again, the bank will make a loan again. In this way, the phenomenon that a bank creates a deposit currency more than several times the initial deposit amount through a loan is called credit creation or deposit creation. And a multiple of the amount of money raised in the process of credit creation is called a credit multiplier. - Loans and deposits are repeated and the entire loan is deposited back into the bank in the form of derivative deposits (deposits deposited with current deposits) Once the process is repeated, the credit creation limit (X) for a given original deposit is defined as X = C (1-R) ​​/ R. Where C is the original deposit, and R is the bank's reserve prepayment rate. - Credit crunch means that households or businesses suffer difficulties as financial institutions do not pro...

Credit inflation is often used to refer to the case where excessive credit expansion causes water prices . Excessive credit refers to a situation in which a borrower who is unable to pay is credited and the bank provides credit beyond the limit of the deposit, indicating a credit expansion that corresponds to the output level. In the boom period, the credit expansion and the price of the ears occur at the same time, but the credit expansion at this time reflects the expansion of the reproduction and the increase of the transaction amount. Even at the end of the boom, when there is a limit to the accumulation of capital, credit still continues to expand. At this time, excessive credit occurs, and such credit brings the price of water for a certain period of time. In times of depression, if credits to be shrunk in response to shrinking reproduction are sustained at a high level supported by low interest rate policies or bailouts, excessive credit will prevent price declines fo...

Funds are divided into bonds and equity depending on whether they buy bonds or buy stocks. Funds can be divided into growth type, stable growth type, and stable type depending on the stock addition ratio. ■ Bond-type fund / equity-type fund The classification of a fund is divided into equity, hybrid, and bond types depending on how much money you invest in stocks. If you invest more than 60% in stocks and bonds, Respectively. In other words, "bond fund" is a commodity that invests more than 60% of trust assets in bonds and bonds-related derivatives without including stocks (including stock-related derivatives) in the operation target. 'Equity-type funds' are commodities that invest more than 60% of trust assets in stocks and equity-linked derivatives (stock index futures and options), and equity-type funds have the risk of incurring principal, unlike bonds. On the other hand, if the stock market is highly profitable, it can generate high returns. ...

A fund that invests a certain amount of money for a long period of time. A fund is a product that invests in stocks or bonds with money generated from an unspecified number of people. Most funds have investors investing a certain amount of money at once, but accumulative funds are investing a certain amount at regular intervals like regular gold. The proceeds are determined by the performance of the operation. Earnings funds have the advantage that they are less risky than other financial instruments that need to invest a lot of money at the same time. However, since the profit depends on the operating results, if the stock price falls at maturity, there is a risk that the yield is low, or if the profit is severe, the principal loss is also required.

Social Overhead Capital (SOC) is a social infrastructure that is not directly used for production activities such as roads, ports, and railways but is essential for smooth economic activities. SOC investments are not made by individuals or private companies because they are very large and their effects are wide to society. They are usually led by governments or public institutions. However, private capital attraction system is being operated to supplement the shortage of government fund by utilizing private capital in the expansion of social overhead capital (SOC) and to introduce private efficiency to the public sector. This system is mainly operated by a private enterprise for a certain period after the project expenses such as construction expenses for SOC facilities are put into operation, and the project costs and profits are recovered. In order to ensure profitability and smooth operation of the project, the government allows various support department projects, su...

What assets should I choose? The basic purpose of asset management is to provide sufficient funds to be used when necessary. To do this, you must manage your assets by choosing an investment target that can generate a steady and profitable return. This means that you must consider the safety, profitability, and liquidity of each financial asset. If the value of a financial asset invested can be safely protected, it can be said that the safety is high. Profitability means profits from the invested financial assets. If a financial product is safe and profitable, then anyone will be willing to invest in it. However, it is generally known that higher profitable financial assets are more risky. Therefore, it is necessary to diversify and invest in various commodities considering both safety and profitability, rather than concentrating extra funds on specific financial assets. Portfolio and diversified investment "Do not put eggs in a basket." Principles of Asset Man...

Why is voice phishing a problem? Financial fraud is an illegal act that takes advantage of a person to deceive or mislead people in financial transactions. There are various types of fraud such as multi-level pyramid financial fraud, insurance fraud, and fraudulent investment presentation. Until now, there have been many cases where financial fraud has become a major target for some people looking for a special way to make a lot of money with less money. In recent years, however, more and more people are attempting to scam finance against the unspecified majority of people, and the general public is becoming more and more vulnerable. A typical example is voice phishing , which is a phonecalling fraud .