Financial Services

Financial services

Financial services are the industries that help us save and invest money. These include investment banks, insurance companies, pension funds, and commercial banks. These industries serve individuals and businesses in different ways. Read on to learn more about what each of them do and how they can help you. Then, go out and explore your options.

Investment banks

Investment banks are financial services companies that advise businesses and governments about large-scale projects. They manage securities and provide advice on the issuance of shares and debt. These banks also help facilitate mergers, restructurings, and intermediary transactions. While many of these financial firms also provide advice on the issuance of equity, debt, and other types of assets, investment banking is a distinct field.

Insurance companies

Insurance companies offer a wide range of financial services to both businesses and individuals. These services include protection against loss due to illness or injury, property damage, and liability or lawsuits. They also offer a variety of products and services, including annuities, life insurance, and disability insurance. They also serve as intermediaries, matching those who need insurance with those willing to assume risk.

Pension funds

The assets section of a pension fund’s balance sheet shows its investments and other liabilities. It also includes its claims against its employer. In case of a deficit, pension benefits are reduced to compensate for the deficit.


Securitizers in the financial services industry are companies that originate and sell asset-backed securities (ABS). These companies have certain duties and obligations under federal regulations. Among other things, they are required to retain at least 5 percent of the credit risk associated with their ABS. Moreover, they must provide periodic updates on historical information related to the number of repurchase requests or replacement requests related to the securities they are originating.