Pangapõhiselt

Pangapõhiselt is an Estonian term that translates to "bank-based" or "on a bank's basis." It refers to a system, process, or method that is fundamentally reliant on or structured around a banking institution or its services. This can encompass a wide range of applications, from financial transactions and loan agreements to broader economic policies and operational frameworks.

In the context of financial operations, pangapõhiselt signifies that a transaction, investment, or any financial activity is conducted through or managed by a bank. This implies adherence to banking regulations, utilization of banking infrastructure, and reliance on the security and intermediation provided by financial institutions. For example, a loan taken out pangapõhiselt would be processed, disbursed, and managed by a bank.

Beyond individual transactions, the term can also describe an economic system. A pangapõhiselt majandus (bank-based economy) is one where the primary role of financial intermediation is played by banks, as opposed to capital markets. This means businesses and individuals primarily rely on banks for funding and investment opportunities.

Furthermore, pangapõhiselt can be used to describe how certain services or data are managed. For instance, information held pangapõhiselt would be stored and accessed through a bank's systems. The core idea is the central role and operational foundation provided by a banking entity in any given context.