Finance is a fundamental component in all the scales of the world economy. People, Companies and States exchange capitals every year, boosting the financial sector and stimulating, in theory, the increase of financial assets.
The financial sector has its main representatives in the savings bank, investment banking and the stock market. The savings bank is perhaps the one with the greatest presence and impact in the daily life of society. Mortgage loans, vehicles, free investment, among others, all are part of personal finance, therefore financial policies and the management of interest rates are responsible for encouraging an economic culture of saving or consumption. The financial crisis of 2008 is linked, among other things, to financial policies that stimulated easy access to subprime mortgage loans.
However, the real financial crisis is reflected in inequality. "1% of the world population has more wealth than the rest of the planet." The developed countries capture the world's wealth and as a result, among the main financial centers for the year 2015, the United States contributed with five, Asia with three and Europe with two. Latin America continues to be a region made up of emerging economies where inequality is greater and greater as times goes on. It is expected that by the year 2020 the wealth of North America will reach 76 billion dollars and that of all Latin America 7.1 billion. The financial policies of the region are focused on shortening the inequality gap, we will see if they can really reach that purpose with the current policies.