Anonymous
Mar 29
Explain 2 cause of declining population 2. Distinguish between mortgage bank and merchants bank a. Commercial bank and development bank ?
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Mar 29
1. Declining birth rates: One of the main causes of declining population is a decrease in birth rates. This can be due to various factors such as changing societal norms, increased access to contraception, and economic uncertainty leading to couples delaying starting a family.
2. Aging population: Another cause of declining population is an aging population. This occurs when the birth rate is consistently lower than the death rate, leading to a larger proportion of elderly individuals in the population. This can put strain on healthcare and social security systems, as there are fewer working-age individuals to support the elderly.
Distinguishing between mortgage bank and merchants bank:
- Mortgage bank: A mortgage bank is a financial institution that specializes in providing loans for purchasing real estate. They typically lend money to individuals or businesses looking to buy a home or property, and their primary source of income is from the interest charged on these loans.
- Merchants bank: A merchants bank, on the other hand, is a financial institution that provides services to businesses, such as lending, deposit accounts, and investment services. They cater to the needs of businesses and may offer specialized services such as trade finance, foreign exchange, and cash management.
Distinguishing between commercial bank and development bank:
- Commercial bank: A commercial bank is a financial institution that offers a wide range of services to individuals, businesses, and governments. These services may include deposit accounts, loans, credit cards, and investment products. Commercial banks generate revenue primarily through interest on loans and fees for services.
- Development bank: A development bank is a financial institution that focuses on providing long-term financing for projects that promote economic development. These projects may include infrastructure development, small business loans, and initiatives to reduce poverty. Development banks often work in partnership with governments and international organizations to support sustainable development goals.
2. Aging population: Another cause of declining population is an aging population. This occurs when the birth rate is consistently lower than the death rate, leading to a larger proportion of elderly individuals in the population. This can put strain on healthcare and social security systems, as there are fewer working-age individuals to support the elderly.
Distinguishing between mortgage bank and merchants bank:
- Mortgage bank: A mortgage bank is a financial institution that specializes in providing loans for purchasing real estate. They typically lend money to individuals or businesses looking to buy a home or property, and their primary source of income is from the interest charged on these loans.
- Merchants bank: A merchants bank, on the other hand, is a financial institution that provides services to businesses, such as lending, deposit accounts, and investment services. They cater to the needs of businesses and may offer specialized services such as trade finance, foreign exchange, and cash management.
Distinguishing between commercial bank and development bank:
- Commercial bank: A commercial bank is a financial institution that offers a wide range of services to individuals, businesses, and governments. These services may include deposit accounts, loans, credit cards, and investment products. Commercial banks generate revenue primarily through interest on loans and fees for services.
- Development bank: A development bank is a financial institution that focuses on providing long-term financing for projects that promote economic development. These projects may include infrastructure development, small business loans, and initiatives to reduce poverty. Development banks often work in partnership with governments and international organizations to support sustainable development goals.
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