Underlying all financial activity are transactions involving money. The term “transactions” means something philosophically different in economics. It stands for exchanges of goods and services. 金钱, in economic transactions, has only a transactional value. It plays the role of a medium facilitating the exchanges. 在金融交易, 然而，, 钱成为了被交易的实体. 金融体系基本上是把钱从储蓄转化成资本. 因此，资金呈现的投资价值, 除了其固有的交易值. 这种投资价值是利益的基础.
鉴于投资价值也被测量，并在金钱上回, 我们获得复利的概念， “把钱工作。” 那些基于投资风险，他们愿意承担谁有钱需求回暖. 而现代金融体系中的作用变得平衡这种风险回报方程式中的一个.
We should keep in mind that this signification of money as investment entity is indeed a philosophical choice that we have made over the past few centuries. Other choices do exist — Islamic banking springs to mind, although its practice has be diluted by the more widely held view of money as possessing an investment value. It is fascinating to study the history and philosophy of money, but it is a topic that calls for a full-length book on its own right. Understanding money at its most fundamental level may in fact enhance our productivity — which is again measured in terms of the bottom line, consistent with the philosophy of money that enjoys currency.