My bankers, the people who make loans to me, are guys who I have relationships with.
To really change the world, we needed to be able to make loans nationwide.
These entities could make loans to customers that now frightened banks are increasingly loath to make.
The disagreement lies in how to get lenders to make loans to these small businesses.
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Skittish lenders might not make loans, no matter how low interest rates go, he says.
However, the ECB is incapable of forcing them to make loans or restructuring balance sheets.
Banks, for instance, take deposits from savers, which they use to make loans to borrowers.
What Lagow learned was that Countrywide wanted to make loans whatever the collateral was worth.
The answer is to restructure commercial banks so they no longer make loans.
Koenig says a lot of firms do ESOP valuations and consulting but not as many make loans.
Small-business loans track the prime rate--the rate at which banks make loans to their most credit-worthy commercial customers.
He recruited an insurance company to make loans to customers, secured only by the 20-year string of forced buying.
It said it won't make loans without down payments and won't lend to borrowers with credit scores below 600.
In addition, nontraditional lenders make loans faster and offer more debt on a given property than a typical bank.
Mortgage companies make loans and then sell them into the secondary market, freeing up capital to make more loans.
Admittedly, state-owned banks still make loans to state-owned companies, but these behemoths are not the innovators in China 2010.
They should be the most boring companies in the world and just make loans to high quality people and companies.
The downside is that banks may become over-eager and make loans on which the returns do not justify the risks.
Yet, absurdly, government rules have made it exceedingly difficult to make loans to investors who want to buy up rental properties.
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The lending companies usually have some equity capital, then borrow from banks and make loans to companies that are not bankable.
The FHA doesn't actually make loans, but rather insures lenders against losses.
When we make loans that are less than the normal quality, even with the SBA guarantee, the regulators tend to criticize us.
"Fewer lenders will be willing to make loans at campuses that have a disproportionate number of low- or middle-class families, " Joyce said.
That's when the government set up the Reconstruction Finance Corp. to make loans and buy stakes in distressed banks during the Great Depression.
Why did the government go on a crusade to promote "affordable housing, " which meant forcing banks to make loans to unqualified home buyers?
Banks need to take measured risks, and our economy requires that banks be able to make loans in both good times and bad.
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That is when companies make loans or issue credit cards to people and then bundle up that debt and sell it off to investors.
These declines are consistent with the first impact of the feared credit crunch, as banks raise their lending rates and become more reluctant to make loans.
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In all these events the claims of scholarship were always secondary to those of national or local pride, and national museums were usually reluctant to make loans.
This resilience may be because so much investment is carried out by state-owned firms, which are at the top of the pecking order when banks make loans.
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