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Global Currency Exchange

What is Credit?

There are two main types of credit which is given to either individuals or companies to defer payments on goods or services. The term credit, in modern finance, is used to refer to the trust allowing a party to provide goods or services to another party with the promise for future payment on the same goods or services. Finances, or hard money, also fall into the realm of credit where a sum is granted to one party for the promise of future payment or payments to return the sum granted. When finances are involved, there is generally an interest charge due on the money to promise a return for the person who loaned the money to the borrowing party. Credit is always granted by a lender or creditor to a debtor or borrower. Credit does not always refer to monetary payment for goods, services or borrowed money. The term is also used in situations where the debtor, or borrower, is promising to provide different goods and services as payment. Read More...

What Exactly Is A Currency Exchange?

The world economies are increasingly intermingled together. What happens in one country can have effects felt in other countries around the world. The effects of globalization are causing an increased focus onto exchange rates not just by corporations, but by individuals as well. The internet has made it super easy to purchases goods and services from anywhere in the world. Every transaction is governed by an exchange rate between two currencies that specifies a conversion rate from one currency to another. For example, if an Australian citizen wanted to purchase an item from the United Kingdom, the Aussie Dollar converts into Pounds in order to transact the purchase. Read More...

What is a Bond Market?

A bond market is a financial market in which the people using the market buy and sell debt securities, most often in the form of financial bonds. Those who participate in trading on the bond market are the same types of individuals and institutions who participate in the general financial markets and include institutional investors, traders, individuals and governments. The majority of bonds in any of the world bond markets is held by institutional type investors such as banks, mutual funds and pension funds. For instance, only 10% of the bond market in the United States is held by individual investors. All bond market participants are either sellers, or institutions backing funds, of bonds and buyers, or debt issuers, of bonds. Read More...