Pertemuan 1 Pasar dan Lembaga Keuangan
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Financial institutions play important roles in the economy by facilitating transactions and allocating capital. They collect funds from savers and channel them to borrowers. This process of intermediation is crucial as it allows for maturity and risk transformation that individual investors cannot achieve. As major providers of credit and money supply, financial institutions also aid in transmitting monetary policy and supporting priority sectors. Their payment services and ability to pool investments make markets more efficient. However, their special functions are accompanied by regulation to ensure stability, fairness, and appropriate policy implementation.
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Pertemuan 1 Pasar dan Lembaga Keuangan
- 1. Arimbi Priadipa, S.E., M.B.A. Pertemuan 1 Lembaga Keuangan & Otoritas Moneter Lembaga Keuangan & Sistem Keuangan Global FEB Universitas Teknokrat Indonesia
- 2. Financial Institutions’ Specialness FIs Function as Brokers FIs Function as Asset Transformers Information Costs Liquidity and Price Risk Other Special Services Other Aspects of Specialness The Transmission of Monetary Policy Credit Allocation Intergenerational Wealth Transfers or Time - Intermediation Payment Services Denomination Intermediation Specialness and Regulation Safety and Soundness Regulat Monetary Policy Regulation Credit Allocation Regulation Consumer Protection Regulatio Investor Protection Regulation Entry Regulation
- 3. Lembaga keuangan adalah lembaga yang memberikan fasilitas dan produk di bidang keuangan serta memutar arus uang dalam perekonomian. Umumnya kegiatan operasional dari sebuah lembaga keuangan meliputi proses pengumpulan dana dari masyarakat dan menyalurkan dana kepada masyarakat yang membutuhkan. Namun, pada prakteknya beberapa lembaga keuangan hanya menjalankan salah satu dari kegiatan operasional tersebut
- 6. Why Are Financial Intermediaries Special?
- 7. OTHER ASPECTS OF SPECIALNESS The Transmission of Monetary Policy: the liabilities of depository institutions are a significant component of the money supply that impacts the rate of inflation, they play a key role in the transmission of monetary policy from the central bank to the rest of the economy. Credit Allocation A further reason FIs are often viewed as special is that they are the major and some- times the only source of financing for a particular sector of the economy pre-identified as being in special need of financing Intergenerational Wealth Transfers or Time Intermediation The ability of savers to transfer wealth across generations is also of great importance to the social well- being of a country Payment Services Two important payment services are check-clearing and wire transfer services Denomination Intermediation by buying shares in a money market mutual fund along with other small investors, household savers overcome the constraints to buying assets imposed by large minimum denomination sizes
- 8. Specialness and Regulation Safety and Soundness Regulation Monetary Policy Regulation Credit Allocation Regulation Consumer Protection Regulation Investor Protection Regulation Entry Regulation
- 9. Thank you! IG: @arimbipriadipa WA: 081320744395 LinkedIn: https://www.linkedin.com/in/arimbipriadipa Email: arimbi_priadipa@teknokrat.ac.id Arimbi Priadipa, S.E., M.B.A., CFP, QWP., CRA.
Editor's Notes
- economies of scale The concept that the cost reduction in trad-ing and other transac-tion services results in increased efficiency when FIs perform these services. asset transformer An FI issues financial claims that are more attractive to house- hold savers than the claims directly issued by corporations. primary securities Securities issued by corporations and backed by the real assets of those corporations. secondary securities Securities issued by FIs and backed by primary securities. agency costs Costs relating to the risk that the owners and managers of firms that receive savers’ funds will take actions with those funds contrary to the best interests of the savers. delegated monitor An economic agent appointed to act on behalf of smaller agents in collecting information and/or investing funds on their behalf.
- Information costs: The aggregation of funds in an FI provides greater incentive to collect information about customers (such as corporations) and to monitor their actions. The relatively large size of the FI allows this collec- tion of information to be accomplished at a lower average cost (so-called economies of scale) than would be the case for individuals. Liquidity and price risk: FIs provide financial claims to household savers with superior liquidity attributes and with lower price risk. Transaction cost services: Similar to economies of scale in information production costs, an FI’s size can result in economies of scale in transaction costs. Maturity intermediation: FIs can better bear the risk of mismatching the maturities of their assets and liabilities. Transmission of monetary supply: Depository institutions are the conduit through which monetary policy actions by the country’s central bank (the Federal Reserve) impact the rest of the financial system and the economy. Credit allocation: FIs are often viewed as the major, and sometimes only, source of financing for particular sectors of the economy, such as farming, small business, and residential real estate. Intergenerational wealth transfers: FIs, especially life insurance companies and pension funds, provide savers with the ability to transfer wealth from one generation to the next. Payment services: The efficiency with which depository institutions provide payment services such as check clear- ing directly benefits the economy. Denomination intermediation: FIs, such as mutual funds, allow small investors to overcome constraints to buying assets imposed by large minimum denomination size.
- negative externalities: Action by an economic agent imposing costs on other economic agents. net regulatory burden: The difference between the private costs of regulations and the private ben- efits for the producers of financial services. outside money: The part of the money supply directly produced by the government or central bank, such as notes and coin. inside money: The part of the money supply produced by the private banking system.