financial intermediary
[fɪˈnænʃəl ˌɪntərˈmiːdiɛri]
nounpl: financial intermediaries
intermediário financeiro
1. An institution or entity that acts as a middleman between lenders and borrowers, or between investors and investment opportunities, facilitating the flow of funds in financial markets
Banks serve as financial intermediaries by accepting deposits from savers and lending money to borrowers.
Os bancos funcionam como intermediários financeiros ao aceitar depósitos de poupadores e emprestar dinheiro a mutuários.
2. An organization that manages the transfer of assets and funds between market participants, reducing transaction costs and information asymmetry
Insurance companies and pension funds are important financial intermediaries in modern economies.
Companhias de seguros e fundos de pensão são intermediários financeiros importantes nas economias modernas.
3. Any entity licensed to conduct financial business and mediate financial transactions between parties
Investment brokers and credit unions are types of financial intermediaries.
Corretoras de investimentos e cooperativas de crédito são tipos de intermediários financeiros.
In both Brazil and the USA, financial intermediaries are fundamental to the banking system and capital markets. The term is widely used in regulatory contexts, academic discussions, and by financial professionals. In Brazil, intermediários financeiros are regulated by the Central Bank (Banco Central do Brasil) and the Securities Commission (CVM). This concept became increasingly relevant in discussions about financial inclusion and fintech disruption in both countries.
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