intermediated lending
[ɪn.tɚ.ˈmiː.di.eɪ.tɪd ˈlɛn.dɪŋ]
nounpl: intermediated lendings
empréstimo intermediado
1. Lending activity conducted through financial intermediaries such as banks, credit unions, or other lending institutions that act as middlemen between lenders and borrowers
Intermediated lending has declined as fintech companies offer direct peer-to-peer lending alternatives.
O empréstimo intermediado diminuiu conforme as empresas de fintech oferecem alternativas de empréstimo peer-to-peer direto.
2. The process where a financial institution borrows funds from depositors or other sources and lends them to borrowers, earning a spread between the lending and borrowing rates
Traditional banks rely heavily on intermediated lending as their primary business model.
Os bancos tradicionais dependem fortemente do empréstimo intermediado como seu modelo de negócio principal.
In Brazil, intermediated lending through banks (Banco do Brasil, Caixa, private banks) remains the dominant credit channel, though fintech disruption is increasing. In the USA, the term is commonly used in regulatory and academic contexts to distinguish traditional banking from emerging direct lending platforms. Post-2008 financial crisis, regulators intensified scrutiny of intermediated lending practices to ensure proper risk management.
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