Rahoitusinstrumentti

Rahoitusinstrumentti is a Finnish term that translates to "financial instrument" in English. It refers to any monetary contract between parties that can be traded. Financial instruments can be used to transfer capital and risk. They can be cash, a contractual right to receive or deliver cash or another financial instrument, or evidence of ownership in an entity.

Financial instruments are broadly categorized into two types: debt instruments and equity instruments. Debt instruments represent a loan made by an investor to a borrower, such as bonds or loans. Equity instruments, on the other hand, represent ownership in a company, such as stocks. Derivatives are another important category, where the value of the instrument is derived from an underlying asset, like options or futures contracts.

These instruments play a crucial role in modern economies by facilitating investment, enabling companies to raise capital, and allowing individuals to manage their savings and risks. They are traded on various markets, including stock exchanges and over-the-counter markets. The classification and regulation of financial instruments vary by jurisdiction, but their fundamental purpose remains the same: to connect those with surplus capital to those who need it.