lending

The Fed could hint Tuesday that it is ready to start new programs to encourage lending even if it doesn't implement them immediately.

He said the central bank will also propose easing restrictions to allow micro lending firms to borrow money.

The Fitch statement said Citic used to be one of the best-capitalized banks in China, but that its position slipped as it ramped up lending.

But with the year winding down, the central bank also has to decide how much it should tighten lending quotas for next year.

The bank announced it would expand its program of lending at very cheap rates in an effort to get the economy going.

But those banks balked at lending the money to each other or to clients and investors in need of it.

The bank reserve requirement refers to deposits banks are required to set aside as a reserve, which reduces their lending ability.

At least the German government should examine the disincentives to lending and spending at home.

Before that, he was an architect of legislation creating tax incentives and a lending facility for small businesses.

'It signals that China is now in loosening mode, and that the bank-lending quota will be expanded, ' Mr. Green said.

Now it is a question of waiting to see whether and how the bail-outs, more lending and other initiatives will help to stimulate economies.

But its biggest announcement was that it would create a new lending facility, the "Flexible Credit Line" (FCL).

What I cannot wrap my head around, is how China will be lending money out to it's European friends, while watching its own citizens suffer.

The Bank made it clear that it was not aiming to bring down three-month lending rates, which are the markets' most acute pressure point.

But she said that an offer by any member of the IMF to increase their "lending or contribution" was "certainly welcome" .

If Northern Rock had been taken under public control at the same time, the Bank lending would have been unnecessary.

He said the bank's lending for foreign projects had grown "very fast" and was expected to rise further.

In Britain mortgage lending may have hit the bottom, consumers are a little less gloomy and manufacturing looks a little less terrible.

It would be a recognition of past errors: a part of what people thought was private lending turned out to be public spending.

Taxpayers have little interest in seeing their money used to finance activities in other countries: they want it used for lending at home.

That was the beginning of the eurodollar markets and of large-scale lending to emerging economies.

Instead, the central bank has been trying to make sure commercial banks keep within their lending targets, which banks habitually exceed.

Since the practice is illegal, lending rates are very high; moreover nobody knows how large this practice might be.

Many lending arrangements between friends can be uncomfortable because neither side wants to ask for too much.

The company came through the difficulties by lending a loan from the bank.

He is still trying to restore the country's moral authority and a battered economy dependent on Chinese lending.

Everyone wants an edge on working out how much money the banks are lending.

Those of us who look to the self-interest of lending institutions to protect shareholder equity have to be in a state of shocked disbelief.

Mr. Bernanke also said he would support audits by the Government Accountability Office of how the lending programs were conducted.

If it is possible to spot excessive lending as the market climbs, how can it be so impossible to identify bubbles?

The same CBO table shows no spending so far for the President's small business lending program . I can't tell if it's in operation or not.

The bank was sold for a fraction of its book value after it was shut out of lending markets.

China had got to this point by stimulating its economy in slow times, by either massive bank lending or budgetary stimulus packages.

She does note, however, that by Fitch's estimation the kind of lending that seems to be at issue in Wenzhou is hardly confined to one city.

Investors also worry that Chinese bank lending to local governments for stimulus programs could sour into bad loans in a year or two.

In the frenzy of the bubble, much home lending was undertaken by fly-by-night companies trying to generate as much volume as possible.

We see threats of future actions, particularly in lending mandates. So the understanding among banks now is, get out as fast as you can.

The U. S. does bear an AAA credit rating at the moment, but let's be honest about this, China is still a novice when it comes to lending.

That, in turn, could intensify a bad loan problem at China's banks that many economists believe is an inevitable result of the lending boom.

In the United States subprime lending was a relatively small bit of the mortgage market-itself just apart of America's financial markets.

The bank's regional units are under pressure to meet lending targets and get money out to governments.

Meanwhile German public opinion will not countenance a generosity of lending to its partners that would put these problems to bed.

Mortgage lending is still profitable, yet in June it was 3% lower than a year earlier, while net consumer borrowing fell for a second month.

Fed officials have said the effort seems to be working, and they have cut back some of the emergency lending measures.

It helped to restore confidence to banks but in terms of stimulating lending, it doesn't really seem to have achieved much.

Further positive news came from the money markets as interbank lending rates continued to fall across the board.

Also, the bailout plan isn't likely to prompt the sort of increase in mortgage lending that could put a solid floor under house prices.

A month ago China raised banks' reserve requirements and began to clamp down on lending.

As Beijing tamps down on bank lending to address potential overheating, that number may yet turn out to be another illusion.

Increasing lending into a downturn seems to be a perfect recipe for jacking that up across the industry.

The current economic downturn grew out of a culture of irresponsible lending and borrowing and "a failure of the entire system, " he said.

The hair on a grizzly's back and shoulders often has white tips, lending it a "grizzled" appearance.

What they had not foreseen was that the explosion in subprime mortgage lending in the US would be the catalyst for such a sudden bust.

The commission's instinct seems to be to take a fairly tough stance on intra-bank lending, but its precise views are hazy.

The softness of her voice added to the weight of her remonstrance, by lending to the latter an air of purity and truth.

And with the world awash with savings, banks ought to be able to raise new capital privately and continue lending.

It has in recent years been expanding its lending in urban areas, a more profitable business for the bank.

She did me a good turn by lending me that money.

Though the China Banking Regulatory Commission has been trying to bring wayward lending back onto the books, the genie is out of the bottle.

Had the bank fessed up that it was reining in its lending commitments, I would have shrugged.

The Bank of England's report identifies "persistent weakness in bank lending" as a downside risk to spending over the next three years.

The bank is one of the multilateral development banks that will help disburse up to $100 billion of new lending promised by the G20.

Thus for the first time Beijing will dictate how much lending banks can do.

It is all but impossible to fix sensible lending targets in advance; and even harder to hold the banks to any promises they may make.

Whether this form of lending has led to peace, the presumptive reasoning behind the award, is just as big an unanswered question.

Many small and medium enterprises in the bank due to high-risk and improve lending rates, thus increasing the cost of financing for SMEs.

Last month I set out a plan to help remove the remaining obstacles to increased bank lending and set the banks on a path to a safer future.

The Bank of England has warned that the economy faces a slow recovery as banks remain fragile and lending is still weak.

The Bank plans to nearly double agricultural lending to Africa from US$450 million to US$800 million over the next year.

But actually borrowing and lending is all part of family life and of the interaction between friends.

That lending is expected to produce a flurry of bad loans as projects funded over the past two years fail to turn a profit.

The central banks of Japan and Australia pumped more than $15bn between them into the money markets to encourage interbank lending.

This specialised in subprime lending and was one of the first big businesses to suffer serious problems.

The key question of course is why did foreign lending to the U. S. pick up so much in the mid-1990s.

China has not got to grips with its last lending splurge, let alone this one.

It must also manage liquidity in the bubble-prone domestic economy while trying to micromanage lending in the state-owned banking sector.

Under any of these alternatives, the central bank would be behaving like any other bank, creating money in the act of lending.

These data can be (and have been) used to measure the extent of small business lending by depository institutions.

It is trying to support domestic consumption as part of global rebalancing, which means reorienting lending from corporates to consumers.

He said the lending to foreign firms was especially striking and demanded 'an extensive look. '

As the sun beat down on the tiny sculptures they stooped and slumped, lending an ephemeral quality to the already very cool installation.

love is lending her the money that you know will never return.

June's lending was more than double that of May.

The Bank is working to help Africans help themselves by lending money, sharing knowledge, building capacity and forging partnerships.

But such downturns are more severe in countries with the Anglo-Saxon sort of financial system, because their lending is more procyclical.

With fewer attractive lending and investment options for that money, it is harder for the banks to turn it around for a healthy profit.

But now, to moderate that growth, Beijing is trying to tighten credit by restraining bank lending and by raising interest rates.

Some directors are selected to give prestige to the board, others to provide certain skills or to represent lending institutions.

But a year and a half later, so-called subprime lending is alive and well.

But neither step will do much to constrain banks swimming in deposits and lending to an economy growing, in nominal terms, by 15% a year.

Do not rule out the possibility that the credit lending sales targets for the completion of his intention to create a market expectations.

At the moment, Chinese banks are busy raising funds to shore up their capital base after a year of massive lending.

What's more, since loan periods are often short (as in payday lending), clients don't actually pay all that much.

The bank is cleaning up its lending through third-party reviews of where the money goes.

It had become a byword for reckless lending , offering home loans of up to 125% and borrowing heavily on the international money markets.

The Bank has supported Turkey's energy reforms through lending and technical advice, in ways that reinforce the goals of each.

But their financial foundations have been undermined by debt deflation, even though their lending was more responsible than average.

Beijing is trying to tame housing prices , rein in overly aggressive lending and stop banks from shifting loans off their books .

It has specialized in lending to domestic infrastructure projects and has been a pioneer in developing China's nascent bond markets.

However, too many commentators talk as if Chinese banks have been on a lending binge for years.

Mr Borges said the bail-out raised "serious concerns" about related party lending throughout the Russian banking sector.

Stories of excess continued to emerge, especially in Ireland where the banks' irresponsible lending on real estate was laid bare.

Chasing growth, MFIs seem to have piled into the same villages, lending to the same people.

Whether you are on the lending or receiving end of the money, the outcome of these arrangements today can have an unforeseeable outcome.

Lehmans was not a cause but a consequence: a consequence of flawed lending practices, and of inadequate oversight by regulators.

Shadow chancellor George Osborne said the real test of the measure would be whether lending was resumed.

Just as monetary easing has not resulted in any surge in lending, the bears also think the fiscal element will run out of steam.

It plans to use the proceeds to expand residential construction as a surge in bank lending drives a pick-up in the housing market.

It would have been impossible, he insists, to conceal such massive lending to one institution within a more general liquidity provision.

The bank has been a byword for sound lending (see chart).

Restrictive lending by banks trying to repair their capital ratios is holding back European businesses.

Ordering banks to stop lending is a remarkably effective way of reining in loan growth, even if it does little to curtail investment.

Reducing new bank lending, which drives increases in the money supply, has been a key part of the government's effort to fight inflation.

The movement of the best lending rate quoted by major banks matched that of the savings deposit rate.

Credit-card lending is still shrinking, though much more slowly than a year ago.

Mr. Bush said the government will purchase equity shares in banks to help institutions unfreeze lending and spur economic growth.

"There is still no liquidity, " he said. "Banks are not lending. This has still not been sorted. "

It said the huge increase in lending was a response to "the global food price hike. "

Facility A term used to describe financial assistance programs offered by lending institutions to help companies requiring capital.

"They acknowledged that they knowingly worked to defeat our fair lending policies and controls, " said Mr. Blackwell, the bank executive.

On these mortgages, the lending banks might have recognised some losses depending on the likely recovery value of the ones that failed.

Banks already seem to be following Beijing's orders: total lending surged by 19% in the year to December.

Default and delinquency rates began to rise in 2006, but the pace of lending did not slow.

Now it is possible to do business directly with a stranger, using a peer-to-peer lending site.

The Taf was set up in December 2007 to provide one-month loans to creditworthy banks as markets dried up for lending longer than overnight.

Yet among the arguments put forward in favor of huge foreign lending one fallacy is always sure to occupy a prominent place.

Now, Chinese officials are concerned about rampant spending and are trying to tighten bank lending.

Europe will be pursuing austerity, China is trying to rein in bank lending but America has opted for another fiscal stimulus.

Viniar said new regulatory rules might limit some of the bank's investing and lending activities.

That might be something of an understatement, as the latest data show a record surge in new lending in March.

There's no doubt China's banks have been on a lending spree for the last 18 months.

The opportunity has also been used to reduce lending to the government and the financial institutions, to effect further sterilisation.

As a result, there was no collective system of lending except in the case of South Korea and there were no Brady bonds.

Together with an increase in bank lending, this was sufficient upbeat news to dampen expectations of a new stimulus package.

Reserve operations [lending program] Lending operations on which initial preparation is being undertaken but which have not been appraised.

If CIT had failed, some rightly feared that lending to smaller companies might have been constrained.

Central banks used to instruct commercial banks to limit lending to a particular sector if they felt that it was overheating.

Providers looking to base some lending on deposits also like commitment products, since the money is locked in for some time.

The essence of the contemporary monetary system is creation of money, out of nothing, by private banks' often foolish lending.

When banks get more nervous about lending, that tends to have wider consequences.

for that reason it may be issued with other, less stringent security requirement from the issuing bank, compared with ordinary lending.

But even though he was a money- lending householder, his enjoyment of food was like this: he ate broken rice &pickle brine.

they also inadvertently opened the door to a herd of nonbank competitors, who stampeded into the lending market.

The amount of this lending has fallen in recent years. But it has grown as a share of the fund's shrinking portfolio.

A greater supply of Treasuries could improve lending in the repo market over the next few days, said traders.

Banks had transferred loans to trust firms to be repackaged as wealth-management products as a way of circumventing lending quotas.

US Treasury Secretary Henry Paulson said the stimulus package aimed to make more lending available to consumers.

Bank lending is growing much more slowly than a decade ago, and Asia is one of few parts of the world not experiencing a housing bubble.

The bank has publicized its lending guidelines, and is considering joining with the World Bank in projects in Africa.

We simply do not know when banks will begin lending again.

Mason also pitched Groupon as a way to help local businesses with cash flow at a time when banks were not lending.

Thanks to years of politically motivated lending, the banks have bad debts of up to 4 trillion yuan.

In the US, it was an increase in overall leverage, base rates that slowly ratcheted up over five years, and reckless lending.

Sanders said the spread between firms' borrowing rates and their lending rates to Uncle Sam amounted to "free money. "

Most of the rest will be financed by bank lending, which had already soared by 30% in the 12 months to March, twice its pace last summer.

"The bottom line is that if this was a purely capitalist system, [lending] would be slowing, " Wood says.

Credit policies establish the framework for lending and guide the credit-granting activities of the bank.

Second, these events have called into question the workability of securitised lending, at least in its current form.

Figures from the Bank of England show that bank lending to business, except for property lending, fell in the last nine months of 2009.

"But I have no doubt there will be pain down the road" because of the lending binge, he says.

About $42 billion of the U. K. banks' exposure is in the form of lending to Ireland's battered banking sector.

Such a squeeze on the most risk-taking segment of the economy will not do anything to encourage banks to loosen lending standards.

A second vehicle would be set up to solve the liquidity problems in AIG's securities-lending business.

It's clear that a lot of lending has been pushed into the economy, but so far it's not been that clear where exactly the money is going.

Director of the PIBA mortgage-brokers group, Rachel Doyle, said the squeeze on bank lending was hindering a recovery in the housing market.

Governments have so far provided up to $8, 900bn in financing for banks, via lending facilities, asset purchase schemes and guarantees.

The property market is no longer overheated and authorized institutions are now being much more restrained in their property lending .

Mr. Blankenship said he isn't worried about Amazon starting its own lending service.

Fact China did not raise lending rates over the weekend could open grains higher tonight.

The result of economic woes rather than straight-up loopy lending, foreclosures are picking up in states such as Idaho, Utah and Illinois.

Applying for a lending product is a chance to discuss future needs and see what other valuable services the company offers.

Those of us who have looked to the self- interest of lending institutions are in a state of shock , disbelief .

The terms of these penalty fees must be assessed in writing under a federal Truth-in-Lending Act.

The stabilization in yields is lending some support to the pound, which has had a strong run recently especially versus the dollar.

Declining remittances and a tightening of micro-finance lending would further restrict the funds available to women to run their households.

Chinese bank lending is usually strongest in the first quarter and moderates as the year goes on.

But they had not reached the level of record keeping that would permit them to develop a lending relationship with banks.

A single-minded pursuit of growth may not be in shareholders' best interest, of course, if it leads to lower lending standards.

The bank's role is transitional, he says, until private capital markets develop long-term savings and lending instruments.

"ICBC will not rush to lend, nor will it stop lending, " the bank said in a statement.

By contrast, banks that focus on traditional lending are likely to be less affected by much of the regulatory clampdown, the report says.

And it would make a handsome addition to any desk at home, lending the owner a touch of the Cary Grants.

The industry's claim that the bill will choke off access to credit is a bit rich given its own rush to reduce its unsecured lending.

Another way to look at it is to consider that back in 2001, customer lending in the UK was roughly comparable to customer deposits.

Some conclude that prices have been pumped up by imprudent bank lending and that the market is at risk of crashing.

Mr. Weber said he is 'critical' of lowering the rate below 1%, because it could discourage banks from lending to one another.

The US Federal Reserve has already begun to do this with its special lending facilities and rescue of Bear.

All of this leads me to believe those who say Firefox axed the toolbar to boost Chrome, and to stop lending support to the competition.

I don't regret lending her the money, even if I never see it again.

Margin lending, also known as fictitious transaction, is the infrastructure of a multi-level capital market.

He also blocked attempts to limit the kind of predatory lending that wiped out thousands of families.

And the plan seems to favour counter-cyclical capital requirements too, which would brake lending growth in credit booms.

Japan's economy was ahead of the pack too; it went into a long correction 17 years before America's subprime lending crisis.

Q: Will development policy lending still be able to help countries hit by economic crises?

Getting accurate data on how much lending was steered to such entities last year is tricky.

The reason cited was the current "favorable" conditions in both the photovoltaic and the U. S. commercial lending markets.

The bears argue that although governments may have stabilised the banking system, they have not been able to restart private-sector lending.

She now has between seven and ten cleaners working for her and would like to expand, but banks are not lending, she says.

THE lending of money at interest goes back, at least, to the Babylon of Hammurabi in 1775BC. So does its regulation.

But any increases in interest rates or controls on lending were unlikely before Chinese New Year in February, he said.

It has also allowed the fund to offer "crisis insurance" in the form of a new pre-emptive lending tool, the Flexible Credit Line (FCL).

He admitted that it was a wrong standpoint to believe that lending institutions would give proper supervision to borrowers.

These institutions have been lending well below $100bn a year but the collapse of financial markets represents some $700bn in lost access.

Both force the banks to hand the cash over to the Central Bank rather than lending it out.

The idea of housing as a one-way bet fuelled the boom in subprime lending and pushed prices up to a peak from which they could only fall.

It wipes out the bank's lending capital, forcing it to reduce its loans outstanding.

In the last quarter the margin between Citi's funding costs and lending rates fell by much more than those of its main competitors.

Bank lending can support the economy for a short time. However, stocks are as expensive as during the heydays of the last bubble.

Doing so could provide up to 700 billion in lending for Italy or Spain and for bank recapitalizations across the euro zone.

That would give banks an incentive to park money at the Fed, rather than lending it out.

In auto lending, however, bad credit doesn't seem to be a hindrance.

Restricting lenders' ability to reprice an unsecured loan will cause them to stop lending or to lend less.

Well, the latest community website has found a way to make lending and borrowing much easier, or so they claim.

Lending also takes place through a number of formal lending institutions that have become informal depositing institutions.

She did me a good turn by lending me some money.

The move marks the fifth time this year the bank has raised reserves to discourage excessive lending and investment.

Deals are still being done via stepped-up lending from export credit agencies and leasing companies, he said.

With interest rates so close to zero, banks are having to cut their lending rates but have no room to drop their deposit rates further.

If your banker is skeptical about lending you money for this business opportunity, that might be a red flag.

Surveys of lending officers by central banks show that on this level, the credit crunch is no longer intensifying.

The question is, will that be enough protection when some of the current lending binge turns sour, as it almost inevitably will?

You'll never save money if you keep lending it out to friends.

And the Fed can't push rates below zero , since at near-zero rates investors simply hoard cash rather than lending it out .

I regret lending him so much money. He never paid me back.

Chinese policy makers are trying to cool lending that helped property prices in 70 cities climb at the fastest pace in 21 months in January.

But by the day's end, the central bank had not followed up by raising lending rates.

Its message is: 'No worries, America. We'll keep lending you money as long as you can cover the vig.

Since deposit rates are, by law, low, and the spread between them and lending rates quite large, the growth has been enormously lucrative.

Macbeth is a primer in how (not) to be a corporate wife; The Merchant of Venice is a cautionary tale about reckless lending.

These banks began holding on to their money, and lending dried up, and the gears of the American financial system began grinding to a halt.

As long as you remember to return the money, I don't mind lending you money. But. . .

A: You know, I keep forgetting to thank you for lending me your car.

In turn, the recent easing means the banks may have brought the money back onshore to make it available for lending.

Bad debts from two years of reckless lending are starting to come home to roost.

I happen to believe very strongly that the cause of this issue is still the bad lending practices.

BNDES's rate of new lending now far exceeds that of the World Bank.

So the idea of lending to all of them, in proportion to the size of their accumulated debts, sounds like a stupid proposition.

August: the credit crunch. America's housing-lending crisis emerged during the summer and is still unfolding.

China's biggest banks are close to reaching annual lending quotas and plan to stop expanding their loan books to avoid exceeding the limits.

Jan Lambregts, global head of financial markets research at Rabobank, says the central bank is also trying to slow lending.

The subprime market deals with mortgage lending to consumers that would not qualify for loans under traditional, prudential standards.

and for the committed projects, Party B shall make a prior arrangement in its annual credit lending plan and ensure the on time fund supply.

That would encourage banks to park reserves at the Fed rather than lending them out, taking money out of the lending stream.

These unprecedented measures began to have some effect: interbank lending resumed and the London Interbank Offered Rate (LIBOR) improved.

Thank you for lending me spiritual strength in this time of need; it has refreshed and encouraged me.

That means cash flow is tight at a time the developers are being squeezed on bank lending and outside sources of funds.

Again, this must not happen again, particularly since the losses imposed on the financial system by such lending could yet prove enormous.

But that depends on a high degree of cooperation by lenders who have been increasingly wary of new lending as the crisis has deepened.

Officials from some of the world's leading banks were in the Netherlands last week for a conference on microfinance lending.

Lending typically rises toward the end of the year as companies increase inventories, so the recent increase might not be sustained.