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<i>McGrawHill/Irwin</i>
<i>Money and Capital Markets, 9/e</i> <i>â2006TheMcGrawưHillCompanies,Inc.,AllRightsReserved.</i>
ã <sub>Toexploretheeconomic,demographic,social,and</sub>
technologicalforcesreshapingthefinancialsystemtoday.
ã Tolearnaboutrecenttrendsinthefinancialsystemandhow
theymayaffectusinthefuture.
ã Tounderstandhowtheproblemsthefinancialsystemfaces
ã <sub>Powerfulforcesarereshapingfinancialinstitutionsand</sub>
financialservicestoday.
ã Theseforcesforchangeincludepowerfulnewtrendswithin
thefinancialsectoritself,majorchangesinthestructureand
functioningoftheeconomy,andnewsocialanddemographic
4ư5
<i>McGrawưHill/Irwin</i>
<i>MoneyandCapitalMarkets,9/e</i> <i>â2006TheMcGrawưHillCompanies,Inc.,AllRightsReserved.</i>
ã <i><sub>Financialinnovation</sub></i><sub>ưthedevelopmentofmanynewfinancial</sub>
servicesandinstruments
ã <i>Serviceproliferation</i>ưtheexpansionofthemenuoffinancial
servicesoffered
ã <i>Competition</i>ưtheintensestruggleforthecustomersbusiness
ã <i><sub>Deregulation</sub></i><sub>ưthelighteningoreliminationofgovernment</sub>
rulesbroughtaboutbyastrategyof<i>privatization</i>ofthe
financialsector<i></i>
ã <i><sub>Convergence</sub></i><sub>ưtheblurringofthetraditionaldistinctions</sub>
amongdifferenttypesoffinancialưserviceinstitutions
ã <i><sub>Homogenization</sub></i><sub>ưthegrowingsimilarityintheservicemenus</sub>
4ư7
<i>McGrawưHill/Irwin</i>
<i>MoneyandCapitalMarkets,9/e</i> <i>â2006TheMcGrawưHillCompanies,Inc.,AllRightsReserved.</i>
ã <i><sub>Globalization</sub></i><sub>ưtheglobalexpansionofoperationsandthe</sub>
fallingofgeographicalbarriers
ã <i>Marketbroadening</i>ưtheexpansionoftraditionallylocal
marketstobecomeregional,national,oreveninternationalin
scope<i></i>
ã <i><sub>Securitization</sub><sub>ư</sub></i><sub>thepoolingofloansandtheissuanceof</sub>
ã <i><sub>Agingpopulation</sub></i><sub>ưthereisagreaterneedforretirement,tax</sub>
andestateplanning
ã <i>Changingbasicfamilyunit</i>ưtheriseintheproportionof
singleưparenthouseholds,parentsandchildrenlivingapart,
immigrants,andwellưeducatedworkingwomenwillincrease
thedemandfornewformsofhousing,daycarefacilities,
4ư9
<i>McGrawưHill/Irwin</i>
<i>MoneyandCapitalMarkets,9/e</i> <i>â2006TheMcGrawưHillCompanies,Inc.,AllRightsReserved.</i>
ã <i>Technologicalinnovation</i>ưthedisseminationandstorageof
informationtodayisbroader,cheaper,faster,andmore
accurate
ã <i><sub>Internationalization of markets</sub></i><sub> such as the emergence of the </sub>