What these peer-to-peer lenders do is directly match people and companies who have surplus cash with people and companies looking to borrow.
Companies often have surplus cash and banks surplus deposits.
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Contrary to what the study seems to suggest, my understanding is that New York City currently has a surplus of electric power capacity and will continue to have a surplus for several years.
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But if we have got surplus we will help out local authorities and indeed we have been doing that in some places.
We now have a surplus of everything anyone could possibly want, all made by those machines and all we humans have to do is use what we want when we wish to.
The Bush tax cuts were temporary and should fully expire unless we have a surplus.
The trade deficit reflects the fact that Wakandans have a surplus of American currency.
And they are taxed so heavily that they rarely have any surplus cash to invest.
You want to convince your potential employer that you have a surplus of benefits before revealing your risks.
Best of all, instead of a debt burden of 1.483 trillion Euros, Greece will have a surplus of 306 billion Euros by 2030!
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One would think a country of 1.4 billion people would have a surplus of workers, but hiring in China is getting tougher than ever.
Most of them have a surplus of clever ideas about what to do with the money (this is a world of task-forces and initiatives, of research agendas and development projects).
They treat capital expenditures, like buildings and long-term assets, the same way they treat operational expenditures, so it's really impossible to tell if we have a surplus or deficit or what.
For next year, it does have some surplus funds.
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But I also voiced to President Obama Brazil's concern regarding the monetary expansion policies that ultimately mean that countries that have a surplus be able to strike a balance in those economic monetary expansion policies through fiscal policies that are ultimately based on expanding investments.
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So, when do we think that Greece is going to have a primary surplus?
We have a trade surplus selling shares in our companies, even though politicians rarely use that figure when talking about trade.
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Social Security would have remained in surplus, instead of sinking into deficit.
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If policies remain unchanged, then even as the windfall revenues drop out next year, the euro area will still have a small surplus.
Oh yes, and despite a financial crisis that has cost the government around 20% of GDP, Iceland is expected to have a budget surplus by by 2013.
Matthew Gray of Jefferies, an investment bank, reckons that by 2020 the ETS will have an accumulated surplus of 845m permits, against a planned cap that year of 1.8 billion permits.
The next surprise is that, after years of profligacy, the euro area as a whole will have a budget surplus this year for the first time in at least half a century.
In the past we have argued that colleges have produced a surplus of college graduates (at least in terms of the labor market demand for workers with a college education).
Inventories, which were temporarily in surplus, have tightened due to an OPEC production cutback.
Mr Sinha could have cut staff (the railways alone are estimated to have 500, 000 surplus workers).
This sounds odd, since it is not fully convertible and Myanmar expects soon to have a large trade surplus.
The world's surplus economies have been propelled by American consumers' appetite for everything from cars and electronics to furniture and clothing.
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