Lending
in sentence
1319 examples of Lending in a sentence
Bankers, who may really be worried about their own bonuses, warn that higher capital requirements will force them to curtail lending, thus impeding economic growth.
Bank regulation, like lending, was once decentralized and judgment-based.
Bank
lending
and regulation, by contrast, must incorporate local knowledge, because, in a dynamic, unregimented economy, each borrower, loan, and bank is different (though some general guidelines can help).
And because stockholders or raiders can’t force streamlining, governments must require these banks to shed activities that no one can manage or regulate and stick to hands-on case-by-case
lending.
That means lower loan-to-value ratios, stricter mortgage-underwriting standards, limits on second-home financing, higher counter-cyclical capital buffers for mortgage lending, higher permanent capital charges for mortgages, and restrictions on the use of pension funds for down payments on home purchases.
Moreover, the higher the gap between official interest rates and the higher rates on mortgage
lending
as a result of macro-prudential restrictions, the more room there is for regulatory arbitrage.
After all, though home-price inflation has slowed modestly in some countries, home prices in general are still rising in economies where macro-prudential restrictions on mortgage
lending
are being used.
Nor do existing international
lending
institutions.
New
lending
facilities could be created, with governance structures more consonant with the twenty-first century.
The World Bank is already seeking to double its
lending
within a decade by expanding infrastructure projects.
Moreover, the US runs a massive current-account deficit, meaning that it is borrowing much more from its foreign counterparts – especially China – than it is
lending.
Ironically, this is happening at a moment when the Fund should want to be lending: it is awash in liquidity and has almost no sources of income other than repayment of its loans.
Admittedly, this would require departing from the Fund’s traditional
lending
in exchange for conditionality.
France has a veto within the boards of directors of the Franc Zone’s two central banks, while two French commercial banks, BNP-Paribas and Société Générale, exercise a quasi-monopoly on
lending
programs, mainly centered on short-term trade financing and the needs of governments, public and private companies, and the elite.
"Why not free up capital flows and so encourage large-scale
lending
from the rich to the poor?" we asked.
Such large-scale
lending
might cut a generation off the time it would take economies where people were poor to converge with the industrial structures and living standards of rich countries.
Certainly such large-scale borrowing and
lending
had played a key role in the late-19th century.
The years 1985 to 2000 were the era in which development was to be financed by private
lending
to countries that adopted the market-friendly and market-conforming policies that were supposed to lead to high returns and rapid growth.
State-compelled
lending
has been adopted in the past, and not just in the central planning systems of communist economies.
But a study by Thomas Fazi of the Institute for New Economic Thinking emphasizes QE’s lack of influence on bank lending, the increase in non-performing loans, and the dire output and inflation figures themselves.
First, despite the birth of the euro and talk of the Chinese renminbi’s ascendancy, the dollar remains the currency of choice for borrowing and
lending
around the world.
The ECB’s easing of credit is effectively subsidizing bank
lending.
Meanwhile, the World Bank and the European Investment Bank have stopped
lending
to high-emission coal plants.
The risk of default or debt restructuring induces creditors to be more careful in their
lending
decisions.
The delay in reaching an agreement enabled most private creditors to escape the consequences of their reckless
lending
to Greece.
A new “shadow banking” system evolved, with highly pro-cyclical characteristics, and
lending
standards plummeted even as financial leverage and asset prices rose to extremely high levels.
In both cases, the credit system got out of control, with too much
lending
to the private sector in 1980’s Japan and excessive government borrowing during the 2000’s in the eurozone.
Over the last 18 months, Li’s government has been attempting to address these challenges, by overhauling China’s industrial structure, reducing excess production capacity, restricting lending, containing the shadow banking sector, and curbing real-estate investment.
Foreigners will become less enthusiastic about continued
lending
to the US, weakening the dollar further, forcing up US interest rates, and threatening to undermine America’s stock market and consumer spending.
In some cases, the outcome has been unexpected: Some
lending
rates have actually increased.
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