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What are the functions please name AT LEAST four specific functions financial institutions (banks, investment banks, credit unions, mutual funds, insurance companies, pension funds, etc.)

What are the functions please name AT LEAST four specific functions financial institutions (banks, investment banks, credit unions, mutual funds, insurance companies, pension funds, etc.) play in our economic system? In other words, how do they add value for investors or those seeking capital.B) How should financial institutions make the economic system more efficient?

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