https://www.proz.com/kudoz/english-to-slovak/finance-general/7004603-maturity-transformation.html
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Oct 8, 2021 00:54
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English term

maturity transformation

GBK English to Slovak Bus/Financial Finance (general)
Definition from Money Week:
when banks take short-term sources of finance, such as deposits from savers, and turn them into long-term borrowings, such as mortgages.
Example sentences:
We quantify the gains from regulating maturity transformation in a model of banks that finance long-term assets with nontradable debt. (ResearchGate)
Even with limited maturity transformation there were frequent runs, as bank assets remained less liquid than their liabilities. The core of bank regulation (Calomiris and Watson 2014) was not capital requirements, requiring a difficult value assessment, but reserve requirements, which is easily verifiable. (World Economic Forum)
The debate on maturity transformation then focuses on comparing these benefits of maturity transformation with its role in creating fragility and moral hazard in the financial system. (macroresilience)
Proposed translations (Slovak)
4 transformácia splatnosti
Change log

Oct 1, 2021 10:48: changed "Kudoz queue" from "In queue" to "Public"

Oct 8, 2021 00:54: changed "Stage" from "Preparation" to "Submission"

Oct 11, 2021 05:54: changed "Stage" from "Submission" to "Selection"

Oct 18, 2021 01:55:

Nov 7, 2021 01:55:

Dec 7, 2021 01:55:

Proposed translations

14 days

transformácia splatnosti

Definition from own experience or research:
Transformácia splatnosti je postup finančných inštitúcií spočívajúci v premieňaní krátkodobých zdrojov, napr. vkladov sporiteľov, na dlhodobé úvery, napr. hypotéky.
Example sentences:
Transformácia splatnosti je kľúčová úloha existencie banky. Financovanie dlhodobých aktív (úverov – nelikvidné aktíva) krátkodobými zdrojmi však vystavuje banku a všetkých jej účastníkov (veriteľov i dlžníkov) šokom až stratám, so širším dopadom na ekonomiku. (National Bank of Slovakia, BIATEC journ.)
Môžu však takisto viesť k tvorbe úveru prostredníctvom transformácie splatnosti a likvidity. (EU leg. proposal, COM(2014) 40 final)
Riziko plynúce z transformácie splatnosti je umocnené v prípade scenára dvojitého šoku (double-hit scenario). (National Bank of Slovakia 2019 report)
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