How does the U.S. finance industry? Is the U.S. financial industry mature?

Well, let's put it this way, there are two aspects, one is to rely on the market occupancy of traditional businesses, and the other is to open up new markets, financial innovation, and financial derivatives.

1. There is nothing to say about this, traditional business, financing, investment, for example, if a company wants to carry out a project or broaden the market, it needs to be financed, so go to the investment bank, the investment bank says, you open a price, and the part of selling is our income (the specific is more complicated, for example, the company borrows debt to invest, issues bonds, and negotiates an acceptable bond yield with the investment bank, and the investment bank promises to guarantee a minimum price to ensure the company's minimum debt financing, and the other is the same, equity financingOf course, traditional businesses include but are not limited to: asset restructuring, mergers and acquisitions, financial financing and investment consulting, issuance underwriting, etc.

2. Financial innovation, which is to develop tailor-made financial products or derivatives for customers. I'll give you an example.

Does CDS know? The financial tsunami of '07 was because of this, what was the origin?

What is the easiest way for a commercial bank to make a profit? Long-term borrowing and short-term loans eat the spread, to put it simply, your inch of demand, low interest rate, enterprises ask the bank to borrow money, the interest rate is high, the difference between the intermediary, is the bank's profit, of course, the bank can issue more debt, the better, make money, 07 years before the United States housing market is good, everyone takes out loans to buy a house, the bank is very happy to make money, but there are two problems, first, a large number of loans out of the risk of default, second, you can not only have 1 yuan in your hand but put a loan of 1 million, this ratio is stipulated by **.

The bank wants to turn the mortgage warrants in hand (the certificate that the buyer will repay to the bank on a regular basis) into cash and then use the cash to lend, at this time the investment bank will go to the commercial bank and say, I will help you solve it, and then take all the mortgage warrants from the commercial bank, and then give the commercial bank a sum of cash, and the investment bank takes these warrants, packages and reorganizes them into CDS, and then sells them on the market, and the difference between the money sold and paid to the commercial bank is the profit of the investment bank.

Of course, this is just one example, and there are thousands of others, right, it is impossible to list them all.

The United States mainly allows the financial industry to develop freely (free market), but when there is a problem, the United States will start to manage it; And China has the final say, and the legal systems of the two countries are different, China implements a civil law system, and the United States is a common law system, so the regulatory mechanism they formulate in their countries may not necessarily adapt to China!

This is just part of it, the rest is dabbled in and analyzed by yourself!

Yes, the development of the U.S. financial industry is part of the U.S. economy. In the course of long-term development, it has accumulated a large amount of wealth and has its own value orientation and long-term strategy, which reflects the characteristics of the development of a big country. Through a cold-eyed look at the U.S. financial industry, we can understand the characteristics of the U.S. financial industry more comprehensively and systematically.

From 1653 to 1999, the U.S. financial industry developed from an ordinary street on Wall Street to the core industry of world finance, which had a decisive impact on the global financial market and the global economy. There are many financial institutions in the United States, such as banking, insurance, asset management, investment banking, hedging**, and so on. There are also a variety of financial markets such as foreign exchange, currencies, bonds, etc.

There are also various complex laws and regulations and a professional and authoritative supervision system. This large and complex system is highly efficient and prolific, but it is also prone to unexpected storms and costly crises. Finance, both enviable and frightening, is often elusive.

Extended Information:1Under the influence of the new crown epidemic, the Federal Reserve also warned that the United States is facing serious financial risks, but the current financial markets are quickly recovering, supported by the monetary policy of the US dollar. Many people hope to find some patterns in the research and analysis of the U.S. financial industry.

In fact, the U.S. financial industry can continue to tinker and reform itself in the accumulation of successes and failures, and gradually grow. The reason for this lies in the fact that the financial industry in the United States has a deep foundation and is closely related to the American economy and society. Therefore, when studying American finance, it is necessary to keep a certain distance so that we can see it more clearly and understand its context accurately.

Sometimes the deeper you go, the more you miss the point.

2.If you look from the sidelines, you can see clearly. First, insurance is the foundation of American finance.

Insurance has always been the foundation of American finance. The U.S. financial markets don't seem to be short of money. On the contrary, there is too much money and people will drown.

Money from **? In fact, in addition to the money released by the Federal Reserve, the money of US financial institutions is more "old money" accumulated over the years, which is invested in insurance companies. Warren Buffett says that it is done by investors, but it is actually done by insurance, and insurance is an inexhaustible source of water.

3.When the insurance industry is crumbling, the foundations of American finance are shaken. If you look at it on this basis, why is the Fed swinging around negative interest rates?

On top of that, negative interest rates are a big negative impact on insurance. The basic model of the U.S. financial industry has always been the capital system, where Americans pay large amounts of taxes to insurance companies, which then dilute them into various investment categories and segments.

The U.S. financial services industry is a very important part of the U.S. economy, including areas such as banking, insurance,**, investment, and credit. Here's the current state of the U.S. financial services industry:

Banking: The U.S. banking industry is one of the most developed and mature banks in the world, including commercial banks, investment banks, trust banks, rural cooperative banks, etc. In 2020, the total assets of the U.S. banking industry reached $ trillion, of which the five major banks such as JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, and Morgan Stanley controlled more than half of the total assets of the U.S. banking industry.

Insurance industry: The insurance industry in the United States is also very developed, including life insurance, property insurance, health insurance, etc. In 2020, the total premiums of the U.S. insurance industry reached $ trillion, and the largest domestic insurance company in the United States is Manulife Insurance (Metlife Inc.).

and the New York Life Insurance Company.

Industry: The U.S. industry is one of the largest markets in the world, including bonds, options, etc. In 2020, the total market capitalization of the U.S. ** market reached $ trillion, of which the NASDAQ and the New York Stock Exchange were the two largest exchanges.

Investment industry: The U.S. investment industry includes private equity, venture capital, mutual **, pension funds, etc. In 2020, the total size of the U.S. private equity market reached $ trillion, of which private equity firms such as Blackgod Qingshi Group, Carlyle Group, and KKR are the largest companies.

In general, the financial services industry in the United States is very well developed, and there are many companies and institutions in various fields. With the development of science and technology, emerging businesses such as digital finance and financial technology are also rising, which will have a certain impact and impact on the traditional financial service industry.

Summary. Hello, glad to answer for you. In the United States, there are all majors in finance: pure finance, financial engineering, and MBA finance. Master of Finance, Mathematical Finance, Computer Finance, Mathematical Finance, etc.

What are the financial majors in the United States?

Hello, glad to answer for you. In the United States, there are all majors in finance: pure finance, financial engineering, and MBA finance. Master of Finance, Mathematical Finance, Computer Finance, Mathematical Finance, etc.

Finance majors are competitive, and what are the majors that are similar to finance?

Majors related to finance are: Financial Engineering: The main difference between financial engineering and finance is that financial engineering focuses on mathematics, and finance has a larger scope, in fact, finance and financial engineering are similar in scope, but the mathematical requirements of metalworking are high.

The major of finance is a discipline that is differentiated from economics by taking the economic activities of financing money and monetary funds as the research object, specifically studying individuals, institutions, and how to obtain, spend and manage funds and other financial assets. The term "finance" in China refers to two parts. The first part refers to money and banking.

It existed during the planned economy period and was the main content of finance at that time. For example, the People's Bank of China said that they are engaged in finance, which means that they are engaged in monetary banking; The second part refers to international finance, which studies issues such as the balance of payments and exchange rates. Taken together, these two parts are what is referred to domestically as finance.

Financial engineering, finance, mathematical calculations, and finance needless to mention, I know that the competition is also quite large, in addition, what are the exams related to finance?

Finance-related exams include accounting, investment, and financial management.

Do you have a special investment study?

In 2022, the universities that offer investment majors in China include the University of International Business Economics, Capital University of Economics, Tianjin Normal University, Dongbei University of Finance and Economics, Nanjing University of Finance and Economics, Shanghai University of Finance and Economics, Anhui University of Finance and Economics, etc.

The major courses of investment include Western Economics, Econometrics, Money and Banking, Public Finance, Accounting, Investment, International Investment, Multinational Corporation Management and Case Analysis, Public Investment, Venture Capital, Investment Project Evaluation, Investment, and Investment Management.

Is there a special investment exam in the United States, in which major or which one?

Suggested read: University of Pennsylvania or University of Chicago.

What college, what program to apply for a master's or doctorate.

University of Chicago Business School MBA Program: 2 years (21 months) and requires applicants to have a bachelor's or post-secondary degree, regardless of professional background. Apply for a master's degree.

Which Chicago?

Located in the southern part of Lake Michigan, Chicago is the third largest city in the United States and one of the world's international financial centers.

Summary. Hello, dear. The United States began to transform from an industrial power to a financial power. During this period, the United States vigorously promoted the integration of the world economy on the one hand, and on the other hand, it greatly reduced backward production capacity and transformed into high-end industries.

Hello, dear. The United States began to transform from an industrial power to a financial power. During this period, the United States vigorously promoted the integration of the world economy on the one hand, and on the other hand, it greatly reduced the backward production capacity of Maojing and transformed into a high-end industry. The only thing that is.

Kiss, you smile well. The population of all America's big plutocrats is less than 1% of the total number of Americans, but they dominate 99% of poor Americans economically and politically. The result is nothing more than the system of political enslavement of blacks by slave owners into a system of economic enslavement of the masses by big industrialists and big financiers.

However, the United States, as a whole of a country that is rising in turmoil, has indeed transformed from an agrarian country with an economic colony to an independent industrial power. A new era of the United States is about to come out.

That's high.

They are divided by the profits from their investments.

This amount should not be underestimated.

This depends on both of them, you can achieve a certain level of leadership, and you can get high.

Investment banks: Goldman Sachs, Morgan Stanley, Lehman Brothers (defunct), Merrill Lynch (acquired), Bear Stearns (taken over).

Financial groups: Citigroup (which was illegal at the time of the merger), JPMorgan Chase (and Morgan Stanley were forcibly spun off from the Morgan Group).

Securities insurers: American International Group (AIG), American City Bond Insurance, Ambac Financial Group.

Credit rating agencies: Moody's, S&P, Fitch.

There are also some big savings banks such as American Express, National Bank, Bank of America, Midland Bank, Bank of New York, Chase Manhattan, First Bank of America, State Street Bank, Wells Fargo Bank and so on.