Sözleşmeler
finansal araci
İngilizce: financial intermediary
Türkçe Tanım
Finansal sermaye saglayanlar ile kullananlar arasinda araci olarak hareket eden, mevduat kabulu, kredi verme ve yatirim faaliyetleri yoluyla fon akisini kolaylastiran kurumdur. Bankalar, sigorta sirketleri, yatirim fonlari ve emeklilik fonlari temel finansal aracilardir. Islem maliyetlerini azaltir, cesitlendirme yoluyla riski yonetir ve tasarruf sahipleri ile borclular arasindaki bilgi asimetrisini giderir.
English Definition
An institution that acts as a middleman between providers and users of financial capital, facilitating the flow of funds through deposit-taking, lending, and investment activities. Banks, insurance companies, mutual funds, and pension funds are primary financial intermediaries. They reduce transaction costs, manage risk through diversification, and address information asymmetries between savers and borrowers.