So, we need someone to borrow short, taking our savings but allowing us quick access, and lending that cash out as long term loans.
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However, the demand from these people for long term loans is vastly higher than the supply of people willing to save money for z similarly long time.
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"This is the problem when you take out long term loans is that future governments can't be held responsible for what previous governments took out, " she said.
Credit analysts look at the corporate balance and income sheets and gauge whether or not a company has enough money to cover its short term maturing debt while paying interest on its long term loans, and still manage to grow as a company.
The private banks cannot meet the demand for long-term loans because they cannot raise enough long-term capital, for two main reasons: first, Brazilians are reluctant to tie themselves into long-term investments because of the recent memory of rampant inflation.
Banks frequently do not provide long-term loans, but collude with managers to shovel money offshore and cheat shareholders.
The bank rate is used to price medium- and long-term loans and is at its lowest level for three decades.
With bond prices falling and rates surging, banks will be left with depreciating assets (Treasuries) and stuck with low yielding long-term loans.
Egypt's minister of culture said the Italian Government had offered Egypt feasibility studies, and the World Bank had offered to provide long-term loans.
The beneficiaries are loth to tie the cash up in long-term loans because they fear that the flows could reverse at any moment.
So they would make fewer long-term loans to big companies (they would cut their holdings of corporate bonds) and would invest less in British infrastructure.
Who else, it asks, will make long-term loans to municipalities (and goad them to privatise services) or help restructure industries such as mining and railways?
For one thing, they are avoiding making long-term loans, a sign of funding difficulties, probably caused by the nonperforming assets they have been carrying on their balance sheets.
Italy's reform effort quickly ran out of steam the moment the ECB made its offer of cheap, long-term loans to banks, while Spain offered only a half-baked reform of its banks.
It also provides long-term loans to the company.
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Investors are wary of laying out long-term loans of 10 to 20 years on Clipper projects because they worry it doesn't have the financial strength to back warranties the way a behemoth like GE does.
Some of it is in the form of loans, SBA long term low interest loans but there are also direct grants that you do not have to repay if you qualify, unemployment compensation, rents as you try to find a new place to live.
Total deposits rose 12% during the year, enabling Santander to repay 24bn euros of the long-term emergency loans it - along with most other banks in the eurozone - received from the European Central Bank last year.
The European Central Bank said European banks are repaying long-term refinancing loans from the ECB at a slower rate than expected, which led to ideas the ECB will not be tightening its monetary policy any time soon.
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Conservative Mark Isherwood stressed the importance of "getting across the long term implications" of the loans.
Long-term low-interest loans help the banks themselves as well as put them in a position to buy European sovereign debt, an excess of which is the main problem.
Page of Eaton Vance says the long-term default rate on these loans is in the 2.5% range but was higher during the dark days of 2001 and 2002.
Experts who study disaster assistance have questioned whether loans help over the long term.
Both rounds of the loans - dubbed long-term refinancing operations (LTRO) - included provisions to allow paying them off early, beginning at the end of this month.
Loans provided by BNDES are based in the so called TJLP long-term interest rate, which currently stands at 5%, while traditional loans carry a premium over benchmark Selic rate, currently at 12.25%.
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It got papered over because there was a lot of cheap credit out there so people were just able to keep up by getting more credit cards and taking out more home equity loans, but the long-term trends were not good.
The commission wants the Fund to restrict itself to short-term loans for economies in crisis at higher-than-market interest rates, rather than long-term concessional credit to cover balance-of-payments deficits.
While success is never a sure thing, those with sustainable, long term business plans would greatly benefit from the more flexible loans.
In addition to some of the former assets of Hokkaido Takushoku Bank, it will have to take on the bad loans of Nippon Credit Bank and Long-Term Credit Bank, both nationalised last year.
The momentum looks likely to continue, particularly because the ECB will conduct a second offering of three-year loans to banks, known as a long-term refinancing operation, or LTRO, at the end of February.
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