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Money and Banking Lecture 23 Review of the Previous Lecture • Role of Financial Intermediaries • Pool Savings • Safekeeping, accounting services and access to the payments system; • Liquidity; • Information Services • Risk diversification • Information Asymmetry and Information Costs • Adverse Selection • Moral Hazards Topics under Discussion • Banking • Types of banks • Balance Sheet of Commercial Banks • Assets • Liabilities Banking • Banking is a combination of businesses designed to deliver the services • pool the savings of and making loans • Diversification • Access to the payments system • Accounting and record-keeping • The intent of banks is to profit from each of these lines of business Banking • There are three basic types of depository institutions: • Commercial banks, • Savings institutions • Credit unions. ... - tailieumienphi.vn