The whole system was more one of corporate discipline than real borrowing and lending.
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In the past few years, they have increased their borrowing and lending spectacularly.
Credit cardholders and issuers have both made changes that brought an excessive system of credit card borrowing and lending back under control.
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In Asia, as in Mexico three years ago, the situation was much worse in that a lot of the borrowing and lending were done in different currencies.
By manipulating interest rates on such an unprecedented scale the Federal Reserve has effectively destroyed the ability of our credit markets to genuinely price the borrowing and lending of money.
These sites, with names like Prosper.com, Zopa, Lending Club and GlobeFunder, use social networking tools and other software to simplify the borrowing and lending of capital between strangers and even family and friends.
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But it will usually be lending for some years to some decades: borrowing short and lending long.
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It was Brad Delong who described banking as borrowing short and lending long.
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One must go back to borrowing (and lending) for a comparably fundamental idea.
What this glorious financial enterprise amounts to is borrowing short and lending long, a recipe for disaster if interest rates go up.
The EFSF operates by borrowing money and lending it on.
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Broadly, though, all banks earn money through some combination of maturity transformation (borrowing short and lending long), taking credit risk (ie, lending to people who may not pay it back) and earning fees and punting on their own account in the capital markets.
But Margaret Atwood's elegant and erudite canter round the literary, cultural and historical aspects of borrowing, lending, owing and repaying has less to do with economics than with human nature.
But the Texas banks were borrowing in dollars and lending in dollars.
All these crises are alike in that the bankers play the yield curve and push money out to doubtful borrowers in order to get maximum advantage of the spread between the cost of borrowing short term and lending long term.
Another decline in charge-offs and late payments shows that issuers and borrowers are still conservative with lending and borrowing, even with interest rates at historic lows.
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Also supporting sentiment were comments from the president of the New York Federal Reserve on Thursday that helped spur hopes of more stimulus and investors also welcomed lower borrowing costs in Europe and strong lending data from China.
What are the Bank of England and other international regulatory authorities doing to assess and publicly report on contribution being made to this crisis by unsound Soviet lending and borrowing activities?
The public-sector banks' state guarantees have held down their borrowing costs and hence their lending rates.
This is creating a healthier lending environment, but borrowing, lending, and spending provide the energy that runs our economy.
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Shortly after Fed Chairman Bernanke testified this morning, I went with NPR economics correspondent, Adam Davidson, to a place where they spend all day watching to see who's borrowing and who's lending, and who can match a borrower with a lender.
Shariahh principles regarding the lending and borrowing of money are complicated, requiring application of qualitative and quantitative standards.
Competition between banks will tend to bring the lending and borrowing rates closer together, theoretically squeezing bank profits to zero in the ideal case of a perfectly competitive market.
It has long been against the rules for banks to engage in arbitrage by borrowing at the discount rate and lending in the Fed Funds market at a higher rate.
The Ability-to-Repay Rule was enacted to inject common sense into mortgage lending and borrowing practices, because lenders and consumers had clearly demonstrated that they could not do so on their own.
Just as we must put an end to the irresponsible lending and borrowing that created the housing bubble, we must restore the home as a source of stability and an anchor of the American Dream.
In Britain, banks still face high borrowing costs and remain nervous about lending more to small and medium-sized enterprises: a new credit-easing programme about to be introduced by the BoE and the Treasury is long overdue.
Zopa's business as a lending and borrowing exchange is quite new and does not fall under any of the existing regulatory categories, and as a result the FSA would need an act of parliament to create a new one.
Ultimately, the ECB wants to get to a point where banks no longer want to use it for lending and borrowing, and the amount deposited in its coffers hits the same level it was at before the financial crisis: zero.
The hope is that this will help kick-start economic growth, which has stagnated in the past year, and which has been characterised by a substantial shrinkage in the amount of new lending to, and borrowing by, non-financial companies.
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