Zitat des Tages über Kreditvergabe / Lending:
Investment banking has, in recent years, resembled a casino, and the massive scale of gambling losses has dragged down traditional business and retail lending activities as banks try to rebuild their balance sheets. This was one aspect of modern financial liberalisation that had dire consequences.
One of the biggest problems out there that I hear from my friends in the business community is that there's no lending, that it's tough to get a loan today.
Many European countries, as well as Australia, Canada, Israel, and New Zealand, have adopted legislation that creates a 'public lending right', where the government recognises that enabling hundreds of people to read a single copy of a book provides a public good, but that doing so is likely to reduce sales of the book.
It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.
All children can do things to help, whether how big or small - by donating toys or lending a hand in the community.
If lenders are forced to scale back student lending because private student loans are subject to bankruptcy discharge, many students will be denied access to higher education.
Expertise and judgment in the art of lending for novel ventures must be reacquired.
And let the Fed sell bonds to bring bank reserves back down to required reserve levels, so we have restraint on bank lending and bank issuances of liability.
Everyone may have some advise for the RBI. Some may advise, 'Cut your lending rates and raise the deposit rate.' How will a bank function? We take a medium term view. The bank has an 80-year-old history. I don't want to destroy it for a few decisions.
International lending banks need to focus on areas where private investment doesn't go, such as infrastructure projects, education and poverty relief.
If bankers become overly conservative in response to past lending mistakes - or if examiners force such behavior - it will hurt bankers' own long-term interests and the economy in general.
The invention of money opened a new field to human avarice by giving rise to usury and the practice of lending money at interest while the owner passes a life of idleness.
I have always said that a bank's lending rates do not only depend on rate cuts - it is just one signal.
Borrowing is not much better than begging; just as lending with interest is not much better than stealing.
It is important to create credit absorption capacity rather than to just enhance lending targets.
We really accomplished what we set out to do with the Recovery Act programs, which was to fill the lending gap created by the crisis.
The universe of mortgage lending has gotten to the point where there is a place in it for everybody.
Why don't we call on the credit card companies to be accountable? They need to be held accountable for their predatory lending practices.
I could have just received royalty checks every month by lending my name to a collection, but I didn't want to do that. My name is a reflection of me.
My focus is on the financial sector, on getting credit going, getting lending flowing. I can't imagine anything that would have a bigger stimulative impact.
The number one problem with Dodd-Frank is it's way too complicated, and it cuts back lending, so we want to strip back parts of Dodd-Frank that prevent banks from lending, and that will be the number one priority on the regulatory side.
There's another way we are getting behind business - by sorting out the banks. Taxpayers bailed you out. Now it's time for you to repay the favour and start lending to Britain's small businesses.
Banks are slowly but surely lending again, and never again will taxpayers foot the bill for Wall Street's excesses. In case we forgot, that was the change we believed in. That was the change we fought for. That was the change President Obama delivered.
I had no idea that I would ever get involved with something like lending money to poor people, given the circumstances in which I was working in Bangladesh.
North Carolina's approach in crafting its law ensured the creation of the best possible law and, consequently, North Carolina is now the acknowledged leader in addressing predatory lending.
What began as a subprime lending problem has spread to other, less risky mortgages and contributed to excess home inventories that have pushed down home prices for responsible homeowners.
Large fortunes are all founded either on the occupation of land, or lending or the taxation of labor.
It is the quality of lending over the quantity of lending.
The trip to Iraq confirmed that I made the right decision when I voted against lending Iraq the $18 billion the United States plans to use to help rebuild the country.
The business of a bank is to lend money; which amounts, nowadays, to lending credit.
We want to create more jobs. We want to qualify more lenders and expand lending markets. But also, I want a very different SBA - it's not your father's SBA. I want to modernize it and reposition it so when people think about jobs, they think about how the Small Business Administration would really be helpful.
We need a resilient, well-capitalized, well-regulated financial system that is strong enough to withstand even severe shocks and support economic growth by lending through the economic cycle.
There's no way I could ring up a company that was lending me a red-carpet dress and say, 'Do you have it in a 10?' Because all the press samples are an 8 - I would say a 'small 8.'
The fact that so many of your people are today residents and citizens of the United States, lending their influence to our civic and economic life, which has meant so much to our development.
Many of the smaller banks have had to get to the point where they now have more compliance people than they have lending offices. That's crazy.
The details of what the Fed did were kept secret until a provision in the Dodd-Frank Act that I sponsored required the Government Accountability Office to audit the Fed's lending programs during the financial crisis.
