{{Finance sidebar}}In [[financial e

{{Finance sidebar}}
In [[financial economics]], a '''financial institution''' is an [[institution]] that provides [[financial services]] for its clients or members. Probably the greatest important financial service provided by financial institutions is acting as [[Financial intermediary|financial intermediaries]]. Most financial institutions are [[Financial regulation|regulated]] by the [[government]].

Broadly speaking, there are three major types of financial institutions:{{cite book | last = Siklos | first = Pierre | authorlink = | coauthors = | title = Money, Banking, and Financial Institutions: Canada in the Global Environment | publisher = McGraw-Hill Ryerson | date = 2001 | location = Toronto | page = 40 | url = | doi = | id = | isbn = 0-07-087158-2}}Robert E. Wright and Vincenzo Quadrini. Money and Banking: Chapter 2 Section 5: Financial Intermediaries.[http://www.saylor.org/site/wp-content/uploads/2012/06/ECON302-1.2-1st.pdf] Accessed July 24, 2012
# Depositary Institutions : [[Deposit account|Deposit]]-taking institutions that accept and manage deposits and make [[loan]]s, including [[bank]]s, [[Building society|building societies]], [[credit union]]s, [[Trust company|trust companies]], and [[mortgage loan]] companies
# Contractual Institutions : [[Insurance company|Insurance companies]] and [[pension fund]]s; and
# Investment Institutions : [[Investment Banks]], [[Underwriting|underwriters]], [[brokerage firm]]s.

Some experts see a tendency of global homogenisation of financial institutions, which means that institutions tend to invest in similar areas and have similar investment strategies. Consequences might be that there will be no banks that serve specific target groups and e.g. small scale producers are left behind.{{cite web |title=Too much of the same |author=Jayati Gosh |publisher=D+C Development and Cooperation/ dandc.eu |date=January 2013 |url=http://www.dandc.eu/en/article/globally-harmonised-banking-regulation-does-not-serve-developing-countries-needs}}

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{{Keuangan sidebar}}[[Ekonomi keuangan]], ''' lembaga keuangan ''' adalah [[lembaga]] yang menyediakan [[layanan jasa keuangan]] untuk klien atau anggota. Mungkin penting terbesar layanan keuangan yang disediakan oleh lembaga keuangan bertindak sebagai [[perantara keuangan intermediary|financial]]. Lembaga keuangan yang paling adalah [[keuangan regulation|regulated]] Pemerintah [[]].Secara umum, ada tiga jenis utama dari lembaga keuangan:{{mengutip buku | terakhir = Siklos | pertama = Pierre | authorlink = | rekan penulis = | judul = uang, perbankan dan lembaga keuangan: Kanada di lingkungan Global | penerbit = McGraw-Hill Ryerson | tanggal = 2001 | lokasi = Toronto | halaman = 40 | url = | doi = | id = | isbn = 0-07-087158-2}}Robert E. Wright dan Vincenzo Quadrini. Uang dan perbankan: Bab 2 Bagian 5: perantara keuangan.[http://www.saylor.org/site/wp-content/uploads/2012/06/ECON302-1.2-1st.pdf] Diakses 24 Juli 2012 # Depositary lembaga: [[Deposit account|Deposit]]-mengambil lembaga yang menerima dan mengelola deposito dan membuat s [[kredit]], termasuk s [[bank]], [[membangun masyarakat society|building]], s [[kredit kesatuan]], [[kepercayaan company|trust perusahaan]], dan [[pinjaman hipotek]] perusahaan# Kontrak lembaga: [[asuransi company|Perusahaan asuransi]] dan [[dana pensiun]] s; dan# Institusi investasi: [[bank investasi]], [[Underwriting|underwriters]] [[perusahaan pialang]] s.Beberapa ahli melihat kecenderungan homogenisation global dari lembaga keuangan, yang berarti bahwa lembaga cenderung berinvestasi di daerah yang sama dan memiliki strategi investasi yang serupa. Konsekuensi mungkin bahwa akan ada tidak ada bank yang melayani kelompok tertentu sasaran dan misalnya produsen skala kecil tertinggal di belakang.{{mengutip web |title = terlalu banyak dari |author sama = Jayati Gosh |publisher = D + C pengembangan dan kerjasama / dandc.eu |date = |url Januari 2013 = http://www.dandc.eu/en/article/globally-harmonised-banking-regulation-does-not-serve-developing-countries-needs}}