This one is a thicket when you try to think it through. Lenders presently have every right to accept any return that they are willing to accept. Likely, this is as it should be. So, how exactly does one go about leveling the playing field? I haven't the first clue.
This one is a thicket when you try to think it through. Lenders presently have every right to accept any return that they are willing to accept. Likely, this is as it should be. So, how exactly does one go about leveling the playing field? I haven't the first clue.
1.) Four BIG banks have all deposits guaranteed. All others have limited deposit guarantees. Guess to where those with big deposits have moved their $?
2.) Concentration of lending power in big affluent cities far from where things get made but near where PE pros live.
3.) Regulatory pressures on banks, esp smaller banks, that impedes business lending
4.) Disappearance of community banks which both reduced competition and therefore aggressiveness to win loan business — and moved lending decisions outside communities where Character is readily ascertained
Possible ... unlikely.
This one is a thicket when you try to think it through. Lenders presently have every right to accept any return that they are willing to accept. Likely, this is as it should be. So, how exactly does one go about leveling the playing field? I haven't the first clue.
Some clues:
1.) Four BIG banks have all deposits guaranteed. All others have limited deposit guarantees. Guess to where those with big deposits have moved their $?
2.) Concentration of lending power in big affluent cities far from where things get made but near where PE pros live.
3.) Regulatory pressures on banks, esp smaller banks, that impedes business lending
4.) Disappearance of community banks which both reduced competition and therefore aggressiveness to win loan business — and moved lending decisions outside communities where Character is readily ascertained
That’s a start…