Financial intermediaries Banks, brokerages etc facilitate trades between people with different levels of impatience patient people (savers)lend funds to impatient people(borrowers in exchange for a rate-of-return on the loaned funds both groups are better off.Financial Intermediaries Banks, brokerages etc. – facilitate trades between people with different levels of impatience –patient people (savers) lend funds to impatient people (borrowers) in exchange for a rate-of-return on the loaned funds. –both groups are better off