The proper responses are;
The production of credit inside the global financial system is facilitated by a network of financial intermediaries known as the "shadow banking system," which is unregulated.
Shadow banking refers to unregulated non-bank middlemen who connect lenders and borrowers. Despite being a significant contributor to the global crisis of 2008–2009, shadow banking still plays a significant role in world economies.
Money market funds are businesses that offer less risky investments including certificates of deposit, interbank loans, and short-term securities like treasury bills. Money market funds in the United States are governed by the Securities and Exchange Commission (SEC).
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