TTS Sample

1. 금융시장과 금융상품.

가. 금융시장의 구조.

<영상으로 학습하기.>

(1) 금융과 금융시장.
금융이란 경제주체들 사이에서 자금이 융통되는 것을 말한다. 가계, 기업, 정부 등의 경제주체들은 경제활동을 수행하면서 운용자금(자산)이 조달자금(부채)보다 많아 자금이 잉여인 경우도 있고, 반대로 자금이 부족한 상황에 직면하기도 한다. 여유자금이 있는 경제주체들은 본인이 이를 직접 소지하고 있기 보다는 이를 금융기관에 맡기고 투자수익을 얻고자 한다. 반면, 자금이 부족한 경제주체들은 자금을 사용한 대가를 일정부분 지불하고서라도 여유자금이 있는 경제주체로부터 자금을 빌려올 용의가 생기게 된다.
이와 같이 돈 맡길 곳(자금운용)을 찾는 자금공급자와 빌려올 곳(자금조달)을 찾는 자금수요자가 모여서 거래가 형성되는 시장을 금융시장이라고 한다. 다시 말해 금융시장이란 가계, 기업, 정부, 금융기관, 해외 경제주체 등의 경제주체들 이 금융상품을 거래하여 필요한 자금을 조달하고 여유자금을 운용하는 조직 또는 비조직화된 장소 여기서 장소가 반드시 물리적인 의미에서의 장소를 의미하는 것은 아니다. 오늘날 IT 기술 등의 발달에 의해 공급자와 수요자가 반드시 특정한 장소에서 거래를 하지 않아도 되기 때문이다.
를 말한다. 여기서 금융시장에서 거래되는 금융상품이란 현재 또는 미래의 현금흐름에 대한 법률적 청구권을 나타내는 증서로 주식, 채권, 외환 등과 같은 기초자산뿐만 아니라 특정 기초자산으로부터 경제적 가치가 파생되는 선물, 옵션, 스왑 등과 같은 파생상품도 포함한다.
한편, 금융은 이익 또는 손실에 대한 책임을 누가 지느냐에 따라 또는 거래 형태에 따라 직접금융(direct financing)과 간접금융(indirect financing)으로 구분된다. 직접금융은 자금수요자와 자금공급자가 금융시장을 통하여 직접 자신의 책임과 계산으로 자금을 거래하는 방식을 말한다. 반면, 간접금융은 손실과 이익에 대한 책임을 금융기관(또는 금융중개기관)이 부담하는 것으로, 금융기관을 사이에 두고 자금의 융통이 이루어지는 방식이다.
우리나라 금융시장 규모는 2016년 1경 5,439.3조원이다. 금융자산 구성비는 현금 및 예금 19.3%, 보험 및 연금준비금 7.2%, 채권 16.2%, 대출금 17.9%이다. 투자펀드 및 지분증권 규모는 3,052.8조원으로 총 금융자산의 19.8%를 차지한다.

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    Übersicht zu den aktuellen Listenpreisen inklusive der wichtigsten Eckdaten sowie der Referenznummern. Neben den Listenpreisen werden in diesem Artikel außerdem die ungefähren, „echten” Marktpreise am Beispiel des Online-Händlers Chronext
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  269. Einst ließen sich Seemänner und Verbrecher Tattoos stechen, um ihre
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    seinen Ort am Körper – und war manchmal auch ein Grund, den Träger zu meiden. Tätowierte waren Gebrandmarkte,
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    seinen Körper mit einer Tätowierung verzieren lassen. Sternzeichen,
    Lebensweisheiten, Partnerporträts wurden irgendwann durch Tribe-Tattoos verdrängt – und auch das ist jetzt Geschichte.
    Der Kultursoziologe Andreas Reckwitz schreibt in seinem Buch „Gesellschaft der
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    nicht nur ein Wunsch, sondern auch gesellschaftliche Erwartung.
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  270. Dieses Jahr konnte man wieder zahlreiche wandelnde
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    Unter den bunten Körperbemalungen entdeckt man auch nur noch sehr selten das
    sogenannte „Arschgeweih” , den Oberarmring oder das chinesische Schriftzeichen, denn die einst so angesagten Motive sind längst überholt. Bei trendbewussten Körperkünstlern kann man dieses Jahr vielmehr tätowierte Fotos von der Familie, moderne Avantgarde-Motive oder den neuesten Mexican-Style bewundern. Wer sich tätowieren ließe, so die Ethnologin Anette Rein, suche nach einem Ausdruck seiner Identität auf seiner Haut. Kaum zu glauben, aber der Trend zum mexikanischen Totenkult bietet eine überaus farbenfrohe und außergewöhnliche Motivwelt. Obwohl sie in erster Linie den Tod zum Thema haben, sind es dennoch Abbildungen mit durch und durch positivem Charakter. Doch der Schritt zur dauerhaften Körperbemalung sollte lange und gründlich überlegt werden. Wer seinen Körper mit einem Stück mexikanischer Kultur schmücken will, für den sind diese Motive genau das Richtige. Vor allem aber sollte das Motiv authentisch sein und zu der jeweiligen Persönlichkeit passen, denn schließlich hält eine Tätowierung ein Leben lang und nicht nur eine Saison. Auch wer sich chinesische Schriftzeichen oder andere fremdsprachige Motive tätowieren lässt, sollte vorsichtig sein. Nicht immer sind die Tätowierer sich über die Bedeutung im Klaren und können fremde Buchstaben auch leicht umgedreht oder spiegelverkehrt stechen.

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