Lenders
in sentence
412 examples of Lenders in a sentence
The financial system is a complex interaction of
lenders
and borrowers, buyers and sellers, and savers and investors.
From 2002-2007, trillions of dollars were loaned for sub-prime and prime mortgages, autos, credit cards, commercial real estate, private equity, and more, on the assumption by (most) borrowers and
lenders
that strong global growth, rising home prices and cheap, readily available short-term credit would continue for the foreseeable future.
The US has experienced a decade of excessively low interest rates, which have caused investors and
lenders
to seek higher yields by bidding up the prices of all types of assets and making risky loans.
At the same time, banks and other
lenders
have extended loans bearing interest rates that do not reflect the riskiness of the borrowers.
It should also contain provisions for lending into arrears:
lenders
willing to provide credit to a country going through a restructuring would receive priority treatment.
Such
lenders
would thus have an incentive to provide fresh resources to countries when they need them the most.
Projected annual revenues from this project for oil companies such as Chevron, Exxon, and Petronas, and
lenders
like the World Bank and the European Investment Bank, are estimated at $4.7 billion.
To the extent that the alternative is costly foreclosure proceedings that make borrowers and
lenders
worse off, this proposal should attract the support of both sides.
A story of opportunity and riches turned into one of corrupt mortgage lenders, overleveraged financial institutions, dimwitted experts, and captured regulators.
Both licensed securities brokers and unlicensed
lenders
were offering increasing amounts of margin financing, which fueled mutually reinforcing surges in prices and turnover.
On June 12, this gave way to revulsion, with the decline in prices triggering stop-losses and spurring a large share of investors to liquidate margin positions – all of which resulted in severe losses for both borrowers and lenders, especially in illiquid stocks.
The final problem concerns central banks’ role as
lenders
of last resort in a crisis.
Given policymakers’ reluctance to contemplate write-downs, specifically of debt held by official lenders, governments have been forced to levy high taxes to service their obligations, in turn depressing investment.
In Greece, there was some “private-sector involvement”; but many irresponsible
lenders
still managed to pass on their exposures to eurozone governments.
Several major
lenders
absconded with large amounts of deposits, and defaults by ordinary companies have become a serious concern.
Default rates in the informal sector are high, and
lenders
may disappear with depositors’ money, as happened in Wenzhou.
China’s financial stability is also under threat, as
lenders
turn to unofficial channels to circumvent tighter government regulations on the formal banking system.
With its current-account surplus averaging 5.5% of GDP in 2000-2008, China has become one of the world’s largest
lenders.
As long as these central banks consider non-standard measures necessary, they are entitled to be vocal advocates of the necessary reforms of global finance; the necessary adjustment of global imbalances within the framework of the G-20; and the decisive contribution of multilateral
lenders.
Even if the
lenders
could be readily identified, they could not be assigned all of the blame.
In many cases, large borrowers have obtained their loans by deceiving the
lenders
or using political connections, as former Indonesian President Suharto’s cronies famously did.
The fact that asset-management companies and private-equity firms have increasingly displaced regulation-constrained banks as
lenders
has made it increasingly difficult to see what is actually going on, and to anticipate how future financial retrenchment might play out, particularly with respect to emerging markets.
Given the state of the US economy – real growth of 2%, a tightening labor market, and little evidence of inflation rising toward the Fed’s 2% target – I view the rate rise as a reasonable and cautious first step toward normality (defined as a better balance between borrowers and lenders).
Faulty thinking, in turn, encouraged loose practices by mortgage lenders, and led central banks to take no action against housing bubbles as they developed.
Predatory
lenders
went further, offering negative amortization loans, so the amount owed went up year after year.
It is the victims of predatory
lenders
who need government help.
What is required is to give individuals with excessive indebtedness an expedited way to a fresh start – for example, a special bankruptcy provision allowing them to recover, say, 75% of the equity they originally put into the house, with the
lenders
bearing the cost.
In fact, modern corporations struggle to create a sense of a collaborative community of employees, managers, suppliers, lenders, distributors, service providers, customers, and shareholders, all cooperating to create value by better satisfying customer needs and aspirations.
Banks and other
lenders
reach for yield by lending to low-quality borrowers and imposing fewer conditions on loans.
The creditors relinquishing part of their claims must include public entities, first and foremost the ECB, that have now largely replaced private
lenders.
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