The second service that financial system provides for savers and borrowers is liquidity, which is the ease with which an asset can be exchanged for money to purchase other assets or exchanges for goods and services.

Most of the savers view the liquidity as a benefit. If an individual needs their assets for their own consumption and investment, they can just exchange it. Liquid assets allow an individual or firm to respond quickly to new opportunities or unexpected events.

Bonds, stocks, or checking accounts are created by financial assets, which have more liquid than cars, machinery and real estate.