This is creating a healthier lending environment, but borrowing, lending, and spending provide the energy that runs our economy.
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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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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.
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.
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.
But it will usually be lending for some years to some decades: borrowing short and lending long.
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That is what gives Mr Osborne the wiggle room for more borrowing to support lending.
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.
Shariahh principles regarding the lending and borrowing of money are complicated, requiring application of qualitative and quantitative standards.
But the Texas banks were borrowing in dollars and lending in dollars.
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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In the current money market conditions, where banks have to approach the central bank for borrowing, the overnight lending rate is in fact the key operational policy rate.
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.
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.
Controls on bank lending meant borrowing was tough.
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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.
He also highlighted the extent to which UK banks were forced to rein in lending after borrowing too much in the run-up to the financial crisis, and the impact on exports of the eurozone debt crisis.
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.
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 public-sector banks' state guarantees have held down their borrowing costs and hence their lending rates.
But that is an argument for, not against, bailing in: by encouraging more prudent lending and less borrowing, it would make future crises less likely.
And when banks have difficulties borrowing, they have difficulties lending.
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