Regional banks, which have few good lending opportunities, have been especially keen.
Failure to make good on previous lending commitments, however, could subject the banks to lawsuits.
Banks have responded to declining credit quality by increasing the gap between the price of lending to good borrowers and poor ones.
And with the advice and conditions it attaches to its loans, World Bank lending arguably fosters good economic policy better than the private sector.
We were repeatedly advised that liquidity in wholesale markets depended on lending quality: good loan books would continue to attract funding when bad loan books began to default.
That's probably good advice, especially considering lending guidelines.
There was also that good news from the European Central Bank this week, announcing that a good chunk of the emergency lending it had offered to European banks in the dark days of the eurozone crisis just over a year ago was being repaid early.
BBC: Davos 2013: A 'sigh of relief' at the World Economic Forum
The latest uptick in the unemployment rate makes clear that the tactic has failed to fix the jobs crisis, with good reason: instead of lending to businesses and supporting entrepreneurial activity, banks are stuffing much of the extra cash into their mattresses to beef up their balance sheets.
It could also develop a professional and uniform approach to valuing and disposing of bad assets while leaving new lending decisions to the good banks.
They are still gun-shy about borrowers with poor credit quality and weak assets, but they are very intent on lending to strong borrowers with good properties as collateral.
We see lending to women as a good investment.
FORBES: The Future Of Microfinance: Q&A With Women's World Banking CEO Mary Ellen Iskenderian
If, thus fortified, the banks start lending more, it will be good news.
The sad truth about lending: Bad things happen to good companies.
The subsidised lending was done largely to firms of good standing that were hardly expected at the time to be caught by a cyclical downturn.
ECONOMIST: The limits to removing banks' conflicts of interest
Life insurance companies also play a major role in real estate lending, and right now they find few good opportunities to put their money to work.
Take notes, ask for things like Good Faith Estimates (GFE) and Truth-In-Lending (TIL) statements to be e-mailed or faxed to you.
FORBES: A Look Behind The Curtain: How To Choose A Mortgage Lender
But he said the Government's change of heart on the reserve power to "electrify the ring fence" was good politics but bad economics that would lead to even less lending.
And bank lending to companies is on the rise, though a good chunk of this is taking over from credit once supplied by capital markets, which have dried up.
If Bernanke can't get it right regarding the greenback, let's hope he at least takes the lead in beating back bank regulators and auditors who are still pressuring banks to curb lending and write down the value of existing and still good loans.
If your business could be a positive economic force for your town or city, there is a good chance a local bank would be willing to help you start by lending you money.
And, unfortunately making good loans often means declining applications for loans that do not meet safe and sound lending criteria.
FORBES: Dimon Speaks Truth On Lending And Subtly Attacks Volcker Rule
Although these are common across the U.S., with more than 88 million members and a good reputation for low-rate consumer loans, they have traditionally had almost nothing to do with lending for private education.
应用推荐