rahoitusvälityksen

Rahoitusvälitys refers to the process of intermediation in financial markets. It involves entities that connect those with surplus funds (savers or investors) to those who need funds (borrowers or businesses). These intermediaries facilitate the flow of capital within an economy, enabling investment and economic growth. Examples of financial intermediaries include banks, credit unions, investment funds, and insurance companies. They play a crucial role in transforming financial assets and liabilities, offering a range of services such as deposit-taking, lending, underwriting securities, and managing investments. The existence of efficient financial intermediation reduces transaction costs and information asymmetry, making it easier and more secure for individuals and organizations to access financing and invest their savings. Different types of financial intermediaries specialize in various functions and cater to different client needs. The regulatory framework surrounding financial intermediaries is designed to ensure stability and protect consumers.