Loans
in sentence
1648 examples of Loans in a sentence
In April, PBOC Deputy Governor Yi Gang tried to reassure nervous investors in a presentation in New York by saying that the level of non-performing
loans
(NPLs) in the Chinese banking sector had “pretty much stabilized after a long time of climbing.”
NPLs have stabilized as a percentage of total bank loans, but only because the number of
loans
has continued to rise.
Many of these new
loans
are to deadbeat clients, and can be expected to go sour in due course.
The key reforms for the IMF remain (1) improving governance by reducing European representation while increasing that of Asia, and (2) focusing the Fund’s mission on monitoring and surveillance rather than as a direct provider of bailout
loans.
In the short run, the IMF could help coordinate additional
loans
from countries such as the US, Japan, and China, to help maintain economic and political stability in the developing world.
Then in the future, it will not need to make crisis
loans
just to keep the lights on in the building.
Local governments are saddled with a mountain of debt and wasted investments, banks accumulate risky loans, and farmers lose their land.
They cannot raise much more capital during the crisis, so, in order to restore capital adequacy, they stop making new
loans
and call in their outstanding loans, thereby throwing the entire economy – if not the entire global economy – into a tailspin.
Mortgages in Swiss francs and car
loans
in Japanese yen have been common throughout the region.
So much money was pumped into the economy and so lax were regulators that one leading American bank advertised its
loans
with the slogan “qualified at birth” – a clear indication that there were, in effect, no credit standards.
To see the inadequacy of that package, compare it with the more than $1.5 trillion that was borrowed in home equity
loans
in recent years, most of it spent on consumption.
As access to international bank loans, bond flotations, and foreign direct investment is lost, infrastructure projects talked about in the past are now being shelved, threatening the political and economic stability of dozens of developing countries.
This can be done directly on a bilateral basis, for example, through long-term
loans
from developed countries’ export-credit agencies.
But at least the West’s working class had access to cheap
loans
and inflated house prices to offset the impact of stagnant wages and declining fiscal transfers.
Greeks have been forced to accept brutal austerity measures in order to continue to service an unbearable debt burden, thereby limiting losses for French and German banks and for eurozone taxpayers whose
loans
to Greece bailed out those banks.
With many firms in those sectors now relying on new
loans
to cover operating losses, large bad debts are inevitable.
It is interesting to see the world's financial elites seek refuge from the uncomfortable but essential Keynesian advice they are now giving to Japan by changing the subject to financial reform, Big Bang deregulation of Japan’s financial institutions, and fixing the half trillion dollars of bad
loans
on the books of Japanese banks.
For small and medium-size enterprises (SMEs), which often struggle to obtain loans, government-run institutes can be used for collaborative research and development.
But, according to Egypt’s prime minister, Kamal al-Ganzouri, the country’s Arab “brethren” have delivered only $1 billion of the $10.5 billion in aid and
loans
that they promised.
For example, the International Finance Corporation’s China Utility Energy Efficiency Program has been highly successful in using small amounts of risk capital and money from donors to generate large amounts of loans, with a stunning leverage factor of more 100:1.
After all, if they defaulted on their loans, the banks would repossess the house at a higher value.
Banks were too busy collecting fees on new loans, and paying their managers outlandish bonuses.
The Fed should take care to prevent any breakdown of liquidity while keeping inflation under control and avoiding an unjustified taxpayer-financed bailout of risky bank
loans.
Unlike virtually every other country, US residential mortgages are effectively “no recourse”
loans.
The ECB has been offering long-term
loans
to banks at a favorable rate.
Ironically, although central banks are now focused on the problem of deflation, the more serious risk for the longer term is that inflation will rise rapidly as their economies recover and banks use the large volumes of recently accumulated reserves to create
loans
that expand spending and demand.
Policies must not be based on the fiction that good
loans
were made, and that the business acumen of financial-market leaders and regulators will be validated once confidence is restored.
- Better to be forward looking than backward looking, focusing on reducing the risk of new
loans
and ensuring that funds create new lending capacity.
As a point of reference, $700 billion provided to a new bank, leveraged 10 to 1, could have financed $7 trillion of new
loans.
Growth not only raises incomes, but also makes vexing problems such as bad bank
loans
and budget deficits more manageable.
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