INSURANCE

   FINANCE & Insurance

The organisational structure of financial system include three elements that is financial markets financial institutions and intermediaries and financial products.
financial market it provides channel for mobilizing saving to investment.financial market provides forms for saving and various form also in which the investor can ties funds.the financial markets have two major components i.e.money market and and capital market.
Money market the money market refers to the market where borrowers and lander exchange mum short term funds how to solve there liquidity needs.
capital market the capital market is a market  for financial investments that has direct as well as indirect claims to capital it is wider than the security market and marches all form of landing and boring whether or not evidenced by the creation of negotiable financial instrument securities market also consists off to market these primary market secondary market.
1.Primary market- the market where in resources mobilized buy companies throw issue of new security is called primary market belly show of securities by companies and can take place in any of the following methods Initial public offer,further issue of capital,right issue to the existing shareholders.
2.Secondary market-Secondary market deals in securities already issued.In it direct investor and investor relation is established.In secondary market existing shares are exchange through stoke exchanges.
FINANCIAL PRODUCT- financial product means a bag of instruments in which the investor invests funds. -orderly development of financial products
-protection of intrest of investors.
Thus securities market comprises of 3 essential factors as categories of participants,namely the issuer of securities,investor of securities and the intermediaries

FINANCIAL INSTITUTION AND INTERMEDIARIES-     It works like a bridge man between lender and borrower financial institution include development bank commercial banks now banking financial companies and insurance company intermediaries i like stock brokers merchant banker lead merchant banker etc.intermediaries may act as agents to match the needs of the suppliers of funds, intermediaries stablish ing direct relationship between the suppliers of want and suppliers of securities,help them in creation and sale securities as buy the securities issued by the supplier  of securities and in turn sell their owner Relationship between the suppliers of funds and suppliers of securities securities to suppliers of funds. thus intermediaries establishing a direct

Pollution

 POLLUTION 

 Now a days pollution is in-creation day by day which is harming our environment directly and indirectly us .
 pollution mainly is caused by vehicles , industries . Pollutants that are come in the air form particles called aerosols , these particles are harmful for us. These particles in the atmosphere affects the scattering and absorbing solar radiation, thus  lead to alteration of cloud formations.

 It is giving an adverse effect on life of people. global warming is the main effect caused by this pollution. the record of pollution is increasiing as the time passing. polluution are of different types -
< water pollution - the pollution caused by water .
< air pollution - pollution caused by air and harmful gases and pollutants in the air.
< noise pollution - pollution due to  noise produced .
< soil pollution - pollution caused to land by materials on it like polybags and other things , polluition caused by soil or land .

Various type of pollution cause various disease  like breathing problems , skin problems and many more harmful disease which are harmful for human beings as well as animals and all living beings,  
          Measures should be taken to control or stop air pollution .If this will not be stopped if will gives its adverse effects on life ou earth future is being eroded by pollution.

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