A top material on financial_research

May 28th, 2015
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Migration Experiences People have been migrating to Australia for thousands of years. However, since European settlement began in 1788, distinctive waves of migrants have changed the make-up of the Australian population more dramatically than ever before. This has led to changes in the waypeople have interacted with each other and the land. In the second half of the twentieth century, immigration policies have gradually become more inclusive, and Australia’s cities have become truly cosmopolitan. Since the end of World War II, these changes to immigration policies, as well as changing cultural and social factors, have improved the lives and opportunities of thoseentering Australia as immigrants. However, some prejudice towards those of different ethnicities remains.

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Financial servicesIn general, all types of activities, which are of a financial nature, could be brought under the term 'financial services'. The term financial services' in a broad, sense means "mobilizing and allocating savings". Thus it includes all activities involved in the transformation of savings into investment.Financial services can also be called 'financial inter mediation'. Financial intermediation is a process by which funds are mobilizing from a large number of savers and make them available to all those who are in need of it and particularly to, corporate customers.Classification of Financial Services IndustryThe financial intermediaries in India can be traditionally classified into two:i. Capital Market intermediaries ii. Money market intermediaries.The capital market intermediaries consist of term lending institutions and investing institutions which mainly provide lung term funds. On the other hand, money market consists of commercial banks, co-operative banks and other agencies which supply only short term funds. Hence, the term 'financial services industry' includes all kinds of organizations which intermediate .and facilitate financial transactions of both individuals and corporate customers.Scope of Financial ServicesFinancial services cover a wide range of activities. They can be broadly classified into two, namely:i. Traditional. Activitiesii. Modern activities.Traditionally, the financial intermediaries have been rendering a wide ran

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