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[부자만들기]금융지식100가지-225 Bonds are securities that represent the issuer's debt and can only be issued by the government, local governments, and corporations under commercial law, with inte rest rates generally fixed in advance. The maturity of bonds is generally more than one year, and the interest rate is determined by the creditworthiness of the issuing institution. Bonds are classified into government bonds, financia.. 더보기
[부자만들기]금융지식100가지-224 The financial system is shifting from indirect banking markets, where institutions deal one-on-one with clients, to direct securities markets, where standardized assets like stocks and bonds are traded competitively. Stock exchanges enhance liquidity by centralizing orders, using auctions or market makers to form reliable prices and support bond pricing and secondary markets. Insurance enables r.. 더보기
[부자만들기]금융지식100가지-223 As the boundaries between banking, securities, and insurance sectors gradually blur due to deregulation and the rise of universal banks, the financial industry's move toward business diversification and integration has intensified competition and enabled comprehensive financial services that cater to customer needs; however, this evolution—driven by changes in the financial environment, governme.. 더보기
[부자만들기]금융지식100가지-222 Domestic and international economic conditions, inflation, interest rates, and exchange rates are intricately interlinked, with booming economies causing interest and prices to rise and requiring monetary tightening, while economic downturns are countered with monetary easing to stimulate recovery; the Korean won's value fluctuates with supply-demand, inflation, interest rates, and capital flow,.. 더보기
[부자만들기]금융지식100가지-221 The flow of money is driven by income, consumption, investment, and saving among four sectors—households, businesses, financial institutions, and the government—where households generally have a surplus from saving and businesses a deficit from investment, prompting inter-sectoral fund movements through financial intermediation, including short-term (bank loans, CPs) and long-term (bonds, equity.. 더보기
[부자만들기]금융지식100가지-220 Finance facilitates smooth economic activity by mediating the flow of funds among households, businesses, government, and financial institutions, encompassing industrial circulation (money flowing opposite to goods/services) and financial circulation (funds moving from surplus to deficit sectors), with the financial system supporting fund transfers, adjustments, and settlements; banks expand dep.. 더보기
[부자만들기]금융지식100가지-219 Among the listed financial terms, the most crucial are Fixed Rate, Employment Insurance, and Commercial Paper (CP). A Fixed Rate eliminates interest rate uncertainty, enabling individuals and businesses to plan finances with stability and foresight. Employment Insurance serves as a social safety net during unemployment, supporting income stability and promoting labor market flexibility. It also .. 더보기
[서양정치철학]군주론-218 Machiavelli's life is divided into three key periods, each shaped by Florence's shifting political landscape. In the first phase, he admired Cosimo de' Medici’s balanced and strategic approach to power. The second phase, under Savonarola’s rule, exposed him to the limits of religious idealism in politics. The final phase marked his active political career, where he observed Cesare Borgia's cunni.. 더보기

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