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Information on Financial and Securities Regulation The financial and securities regulatory agencies are government functional bodies that provide oversight on financial markets as well as companies. These agencies play different roles and they also have different responsibilities. They operate autonomously despite having similar objectives. The existence of the agencies is indefinite despite their attraction of criticism on their efficiency. The several functions of the regulatory agencies appear in the text below. Stimulating the Economy Various financial and securities agencies influence credit conditions, money and liquidity in bid to stimulate the economy. The tools that control the buying and selling of treasury and agency securities are applied by the agencies. The agencies foster the stability of the banking system through regulating that interest rates and supervising the banking system. Providing Insurance on Deposits The protection of bank deposits of individuals and entities is offered by some entities. This insurance ensures that a depositor does not lose their money in case of any eventuality. The amount of deposit from an individual or an entity is usually limited to the provision of the insurance.
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Regulating Currency It is necessary to ensure that there is competition between banks. It means that provision of charters to banks should be overseen by a regulatory body. The main objective of such an agency is to maintain a sound banking system through supervision, regulation and provision of charter to the banks. In addition, the agencies facilitate the efficiency of services of finance and banking.
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Controlling Sale of Securities to the Public When the public transacts on securities, there are some agencies that facilitate efficiency of the process. These agencies act as a bridge between customers and brokers. The agency has major roles that include training, licensing and testing of financial experts. Additionally, they arbitrate and mediate on disagreements that arise between customers and brokers. Controlling Insurance The agencies monitor, review and oversee the operations of the insurance industry. There is monitoring, reviewing and overseeing the operations of the insurance industry by the agencies. Consumer protection, investigations on criminal activities, and law enforcement are some of the activities that the agencies carry out in their main objective of sanitizing the insurance industry. It is important to note that these agencies represent the state in their actions. Administer Securities Law The agencies do not depend on governments when enforcing the law. They are some of the most powerful and comprehensive agencies. They have oversight over stocks and options exchanges, options markets, and electronic exchanges and securities. It is a fact that people do not deal directly with the agencies, but they usually feel the impact of the regulations without coming into contact with the agencies. The impact is felt most on the instance of liquidity, credit markets and interest rates adjustments. It means that the common person experiences an indirect influence from the agencies.