<Table> <Tr> <Td> </Td> <Td> This article needs additional citations for verification . Please help improve this article by adding citations to reliable sources . Unsourced material may be challenged and removed . (November 2015) (Learn how and when to remove this template message) </Td> </Tr> </Table> <Tr> <Td> </Td> <Td> This article needs additional citations for verification . Please help improve this article by adding citations to reliable sources . Unsourced material may be challenged and removed . (November 2015) (Learn how and when to remove this template message) </Td> </Tr> <P> A financial system (within the scope of finance) is a system that allows the exchange of funds between lenders, investors, and borrowers . Financial systems operate at national, global, and firm - specific levels . They consist of complex, closely related services, markets, and institutions intended to provide an efficient and regular linkage between investors and depositors . </P> <P> Money, credit, and finance are used as medium of exchange in financial systems . They serve as a medium of known value for which goods and services can be exchanged as an alternative to bartering . A modern financial system may include banks (public sector or private sector), financial markets, financial instruments, and financial services . Financial systems allow funds to be allocated, invested, or moved between economic sectors . They enable individuals and companies to share the associated risks . </P>

Identify the three parts of the financial system
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