The Credit Crunch And Regulatory Burdens in Bank Lending Hearings Before the C
The Credit Crunch And Regulatory Burdens in Bank Lending Hearings Before the C
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In our eReader you can find the full English version of the book. Read The Credit Crunch And Regulatory Burdens in Bank Lending Hearings Before the C Online - link to read the book on full screen. Our eReader also allows you to upload and read Pdf, Txt, ePub and fb2 books. In the Mini eReder on the page below you can quickly view all pages of the book - Read Book The Credit Crunch And Regulatory Burdens in Bank Lending Hearings Before the C
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And, as we all know, taking less than what you need is most of the time certainly worse than taking too much.
We found in talking to a number of banks that have had inde- pendent studies — ^banks have studied their own portfolio loans to determine why they were in somewhat of a depressed state them- selves, and they have gotten consultants that come back and say, don't make a loan imder $100, 000 because you aren't earning any money. The amount of money to cause you to book a loan might run $30...0, $400. But whether it is a $100, 000 or $500, 000 loan, if the bank figures it cannot make money partly because of its over- head — not certainly because of the creditworthiness of a borrower — then the banks will shy away from making those loans.
467 I don't see anything that has been proposed in the Federal regu- lations that will suggest that banks intend to do better in the fu- ture. We have looked at small business loans where people do make their payments on a timely basis and haven't missed a pay- ment* however, if the loan is based on cash flow, based on revenues they nave projected they were going to earn, and if there is a down- ward fluctuation in those cash flows that is obviously justified or proven by the submission of P&L statements on a quarterly basis to the bank, then the bank very well may go back and appraise the underlying real estate that is securiW for that loan.
What to read after The Credit Crunch And Regulatory Burdens in Bank Lending Hearings Before the C?
You can find similar books in the "Read Also" column, or choose other free books by Consumer United States Congress House Committee On Gover to read onlineMoreLess
To quickly assess the difficulty of the text, read a short excerpt:
And, as we all know, taking less than what you need is most of the time certainly worse than taking too much.
We found in talking to a number of banks that have had inde- pendent studies — ^banks have studied their own portfolio loans to determine why they were in somewhat of a depressed state them- selves, and they have gotten consultants that come back and say, don't make a loan imder $100, 000 because you aren't earning any money. The amount of money to cause you to book a loan might run $30...0, $400. But whether it is a $100, 000 or $500, 000 loan, if the bank figures it cannot make money partly because of its over- head — not certainly because of the creditworthiness of a borrower — then the banks will shy away from making those loans.
467 I don't see anything that has been proposed in the Federal regu- lations that will suggest that banks intend to do better in the fu- ture. We have looked at small business loans where people do make their payments on a timely basis and haven't missed a pay- ment* however, if the loan is based on cash flow, based on revenues they nave projected they were going to earn, and if there is a down- ward fluctuation in those cash flows that is obviously justified or proven by the submission of P&L statements on a quarterly basis to the bank, then the bank very well may go back and appraise the underlying real estate that is securiW for that loan.
What to read after The Credit Crunch And Regulatory Burdens in Bank Lending Hearings Before the C?
You can find similar books in the "Read Also" column, or choose other free books by Consumer United States Congress House Committee On Gover to read onlineMoreLess
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