Friday, August 24, 2012

Properties of Money


1)         Money Serves as a Medium of Exchange:
-           A medium of exchange is the property of money that exchange is made through the use of money.
2)         Money Serves as a Unit of Account:
-           Unit of account is the property of money that prices are quoted in terms of money.
-           Money provides a convenient measuring rod when prices for all goods are quoted in money terms.
-           Money can be used to compare the relative value of goods, making it easier to carry out economic transactions.
3)         Money Serves as a Store of Value:
-           Store of value is the property of money that it preserves value until it is used in an exchange.
-           From the time you receive a payment until the time you make payment; you can use money to store value.
# What borrowers want?
-           Long term loan
-           Minimum Interest 
-           Minimum risk and transaction cost
# What lender wants?
-           Maximum liquidity
-           Maximum return
-           Maximum risk and transaction costs
# Money Market- The money market is a component of the financial markets for assets involved in short-term borrowing and lending with original maturities of one year or shorter time frames. Trading in the money markets involves Treasury bills, commercial paper, bankers' acceptances, certificates of deposit, federal funds, and short-lived mortgage-backed and asset-backed securities. It provides liquidity funding for the global financial system.
# Net worth - The amount by which assets exceed liabilities is called net worth. This term can be applied to companies and individuals or is the difference between assets and liabilities.
(Source-Internet)

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