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In the article Meet Marcus, Goldman Sachs’s Online Lender for the Masses, it shows how a specific company will be able to facilitate the transfer of funds from the surplus units to the deficit units. After the credit crisis, Goldman is now thinking of ways to build the companies reputation back up and to may use of the bank holding status so he decided to provide online lending services from his new company Marcus and provide online savings account services under GS Bank. Goldman could combine services to use the deposits from his savings account service to fund small consumer loans to his loan customers.

N. Popper, The New York Times (2016). http://www.nytimes.com/2016/08/19/business/dealbook/goldman-sachs-to-offer-an-online-lender-for-the-masses.html?_r=0

Topic of article is " Commercial bank earnings drops 10%". As we know that commercial bank mostly earn money between surplus units to deficit units. for example, if surplus units(investor) do deposit to save money to bank, bank can lend money with monthly interest to deficit units. Therefore, role of commercial bank helps transaction between surplus units and deficit units. Also, i may say easily that commercial bank do " circulation of money". Above article, commercial bank earnings dropped, because i think that there are less transactions than before between surplus units and deficit units. Therefore, commercial bank do middle role to help transaction between surplus units and deficit units for circulation of money.

Link to the article :http://articles.latimes.com/keyword/commercial-bank

Sallie Mae is the largest private student lender by loan origination. It is a federal government agency that specializes in lending funds to undergraduate and graduate students for assistance with college expenses. Most student loans are made by the federal government, but the federal government limits the amount a student can borrow.  Parents of students who fall short may turn to the federal Plus program or to private lenders. The proportion of students graduating with the help of parent loans has steadily increased over the last decade, according to analysis by Mark Kantrowitz, publisher of the college selection website Cappex.com. Sallie Mae now offers a new Parent Loan. The Parent Loan enables guardians of a student to take out the loan in their name. The loan has no prepayment penalty, competitive interest rates, and no origination fee. Eligibility to apply for the loan is extended  to parents of undergraduate or graduate students, as well as other "creditworthy" adults, like grandparents, aunts, and uncles who want to help finance the student's education. More private lenders are marketing parent loans, including Citizens Bank and online lenders like SoFi, as college costs continue to increase and the student debt burden grows. The average debt for graduating seniors at four-year colleges in 2014 was nearly $29,000, according to the Institute for College Access and Success. The Institute for Research on Higher Education at the University of Pennsylvania Graduate School of Education found that college affordability had worsened in 45 states since 2008.

Carrns, Ann "Sallie Mae Now Offers Education Loans to Parents, Too"   The New York Times, Your Money  April, 29, 2016

Harouna Ouedraogo posted Aug 23, 2016 8:37 PMSubscribe

The article I am going to talk about is from the New York Times,entitle"little change in prices, but hint of action from the Fed".It was publish by Reuters on august,16 2016. It is related to our topic of discuss because its related to the federal reserve which is a financial institution( U.S central bank). The article is mainly about pricing and the possibility for the Fed to raise rate. The goals of the federal reserve as financial institution are to stimulate the economy, provide the government with loan and serve as a safe depository for federal money, it also carry out monetary policies such as interest rate and inflation. it is also a low cost mechanism for transferring fund and an inexpensive agent for meeting payments on the national debt and government salaries. One way the Fed can ease transfer of fund from a surplus unit to a deficit unit is to raise interest rate, and by doing so it will stimulate surplus unit holder to invest in the aim of having a high return, so money will flow from surplus units to deficit unit in the economy. yet they can also ease transfer of fund by lowering cost of transactions.    

http://www.nytimes.com/2016/08/17/business/economy/pickup-in-economy-could-allow-a-fed-interest-rate-increase.html?rref=collection%2Ftimestopic%2FFederal%20Reserve%20System&action=click&contentCollection=timestopics&region=stream&module=stream_unit&version=latest&contentPlacement=2&pgtype=collection&_r=0