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Financial institutions deal with financial assets，assets that promise future payments from financial contracts, such as securities and loans.These institutions also deliver services, relying on their reputations to attract customers for relationships ofte
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解析：金融机构处理金融资产，这些资产是承诺未来收益的金融合同，如股票和贷款。这些机 构同样提供服务，这依赖于声誉吸引基于信任关系的客户。类似地，非金融企业期望未来的现 金形式的收益，或者来自其有形的服务产品或者来自可识别的商标品牌、某个生产过程的专利。 因为资产种类众多，将其分为两类比较方便：实物资产和金融资产。实物资产是那些基于基本质量提供收益的资产，一个人的家的价值与其建筑质量、所在位置和大小相关，一个公司的主 要的电脑提供的收益是基于其速度、内存大小、用途的便利以及维修的频率，而金融资产是能 从签署合约的团体手中收到未来承诺收益的合约。 与其他机构一样，金融机构需要并使用资产，以使得收益超过成本，金融机构和其他公司 最关键的不同是金融机构持有的大部分资产事金融资产。金融机构使用来自存款者的资金来获 取对他人的金融索取权。他们也许会将资金借给个人、企业或者政府，它们也会购买其他企业 的股权，金融机构期望的未来收益依赖于他们购买的金融负债所有者的绩效。金融机构和其他 公司的主要区别并不在于它们筹集资金的方式，因为所有企业都这样筹集金融负债.而在于他 们如何运用这比资金。
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