The financial market is built on the following basis.
Individuals in primary occupations minimize current consumption to build up savings.
Stock of savings is made available to fund user (Corporations and governments) at the current price of money i.e. interest rate, subject to government interference.
In the formal sector, savers and users of funds do not meet directly - they operate through financial intermediaries such as: Banks/deposit intermediaries, stockbrokers/investment intermediary and insurer/risk management intermediary.

Read more: https://www.entrepreneurshipsecret.com/understanding-the-financial-market/