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HBS Working Knowledge August 4, 2014	Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
HBS Working Knowledge July 21, 2014	Is a Gap in Small-Business Credit Holding Back the American Economy? A former head of the US Small Business Administration, analyzes the current state of availability of bank capital for small business.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
CFO December 1, 2003 Randy Myers	Basel's New Balance A new accord may soon help banks lend more for less.
FDIC FYI October 8, 2002	Syndicated Credits Deteriorate, But at a Slower Pace Large banking organizations are continuing to feel the effects of the recession, as syndicated loan quality remains generally weak.
National Real Estate Investor February 1, 2003 Kathleen Fitzpatrick	Mezz Debt Is a Magnet for Borrowers and Lenders The combination of historically low interest rates and tighter underwriting standards on senior loans has made mezzanine debt highly attractive to borrowers. But with lenders tripping over each other to woo customers, returns are shrinking.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
FDIC FYI February 22, 2006 Nathan Powell	What the Yield Curve Does (and Doesn't) Tell Us Regardless of the slope of the existing yield curve -- positive, flat, or negative -- bankers will benefit from strategies designed to cope with the uncertainty of changing interest rates.
The Motley Fool October 9, 2008 Dan Caplinger	The Real Threat to the U.S. Economy While big companies grab the headlines, small businesses need credit they can't get.
Commercial Investment Real Estate Mar/Apr 2004 Barnhill & Mazyck	VRDN Value Underwriters have addressed these problems successfully and now offer small commercial real estate borrowers below-prime-rate financing through variable rate demand notes.
FDIC FYI February 7, 2002	Subprime Mortgage Lending Faces the Test of a Slowing Economy Entry by FDIC-insured institutions into subprime lending as a targeted line of business was largely a phenomenon of the 1990s. These lending programs are now being tested by recession, in most cases for the first time...
The Motley Fool October 9, 2006 Dan Caplinger	Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.
U.S. Banker July 2007 Lee Conrad	Banks Fret Over Expected Spike In Company Failures Banks that extend loans to middle-market firms will have their work cut out for them in the next 12 months.
U.S. Banker August 2001 Ted Cornwell	Fears of Defaults Subprime loans are behind the fears. They have not been tested in a declining economy and analysts don't know what to expect.
BusinessWeek April 17, 2008	The Lowdown on Basel II Its No. 1 goal is to smooth out financial crises, and its main method is fine-tuning banks' capital requirements.
Commercial Investment Real Estate Jul/Aug 2011 David F. Webb	The Lending Scene Commercial mortgage-backed securities' return brightens the picture in primary markets.
Entrepreneur February 2008 Rosalind Resnick	Nothing Personal How can you protect yourself and your assets from risk when securing a business loan?
FDIC FYI November 4, 2003 Puwalski & Williams	Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.
Commercial Investment Real Estate May/Jun 2009 Ryan Krauch	Back to Basics How can commercial real estate borrowers obtain financing and survive the capital markets mess?
CFO Joseph McCafferty	Another Nick in the Wall Regulators are looking into allegations that banks are "tying" loans to other fee-based business.
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram	Capital Markets Conundrum Are there viable solutions to today's financing puzzle?
Finance & Development December 1, 2000 Dadush, Dasgupta, & Ratha	The Role of Short-Term Debt in Recent Crises The 1990s witnessed a boom in short-term lending by international banks to developing countries that lasted until Asia's financial crisis erupted in 1997. By 1997, nearly 60 percent of all outstanding international bank claims on developing countries had a remaining maturity of less than one year.
BusinessWeek April 17, 2008	The Story of Basel II So Far... A chronological look at the Basel II banking accord since its inception in 2004.
Entrepreneur December 2007 Aliza Pilar Sherman	Landing the Loan How some women are approaching bank loans.
The Motley Fool April 9, 2007 Joseph Khattab	What's the Deal With Bank Reserves? Understanding a bank's loan loss reserve is tricky, but it will be an important topic as investors head into first-quarter earnings
CFO October 1, 2006 Randy Myers	A Change of Season Don't let a turn in the credit cycle catch you napping. What should corporate borrowers be doing? The most obvious course of action is to get while the getting is good.
The Motley Fool December 4, 2006 Dan Caplinger	Avoid the Loan Sharks For those with less-than-perfect credit histories, there's a scary trend in personal finance these days. In the name of convenience, some borrowers are digging themselves into a hole from which they may never emerge.
U.S. Banker February 2008 John Adams	Waiting for the Other Shoe To Drop? Not Really. We'll soon see how contagious the mortgage flu is for other banking business lines, particularly corporate lending.
Registered Rep. August 24, 2015 Lynn O'Shaughnessy	Tackling Student Debt Because high levels of student loan debt are far more common than they used to be, you should expect queries from clients about how to minimize their own balances, in addition to those of their grown children.
U.S. Banker March 2008 John Adams	Another Lending Sector Teeters on the Edge Like a bad virus, the subprime-mortgage-driven plague is spreading from one sector of banking to another.
CFO March 1, 2007 Rob Garver	Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.
AskMen.com March 4, 2001 Luis Rodrigues	The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer...
National Real Estate Investor February 1, 2006 Beth Mattson-Teig	Encore Performance? Mortgage bankers are hoping that 2006 will be a repeat performance of 2005 -- a phenomenal year for commercial and multifamily mortgage originations. But whether those expectations materialize depends largely on interest rates.
FDIC FYI August 29, 2002	Strong Bank Earnings Reflect Nature of U.S. Downturn Second quarter 2002 earnings results for commercial banks show that the benefits of a steep yield curve continue to outweigh the costs of higher credit losses.
Commercial Investment Real Estate Jul/Aug 2012 Gantz et al.	CMBS Concerns Are securitized loans worth the trouble?
CFO September 1, 2003 Hilary Rosenberg	Compromising Positions Will credit derivatives encourage more lending, or will they harm the interests of borrowers?
Bank Systems & Technology September 29, 2005 Maria Bruno-Britz	People Who Need People (And Their Money) Imagine if private citizens in search of loans were able to go online and receive their money from lenders - who just so happen to be private citizens as well? This unlikely concept actually is being put into action in the U.K. by a company called Zopa.
FDIC FYI April 21, 2003	Risk-Based Capital Requirements for Commercial Lending: The Impact of Basel II The purpose of this article is to demonstrate the mechanics of the Basel II risk-based capital calculation for commercial credit exposures, and to present evidence on the impact of the new calculations on capital requirements for syndicated loans.
CFO March 1, 2008 Karen M. Kroll	Pedaling As Fast As They Can Companies will now need to work harder for credit, as banks' markedly different posture on lending money is affecting businesses of all stripes -- not just those in default.
Commercial Investment Real Estate May/Jun 2005 John Hosmer	Repayment Options Borrowers who defeased loans in the last four years kept in check their visceral reaction to defeasance premiums and analyzed its effects on the underlying commercial real estate transaction.
U.S. Banker September 2001 Robert A. Bennett	Glass-Steagall Revisted The real reasons for passage of the "Depression-era" Glass-Steagall Act, which separated commercial and investment banking, have been obscured, but they are popping up again...
Commercial Investment Real Estate Jul/Aug 2010 Huntley & Mullaney	Both Sides Now Commercial property borrowers and lenders must face the music together with a plan.
FDIC FYI April 11, 2002	Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter...
Entrepreneur November 2007 Rosalind Resnick	Find Unsecured Loans and Credit Lines How to get a bank loan without risking your personal record.
National Real Estate Investor February 1, 2005 Joe Gose	Lenders Draw Up Plays to Land Big Deals Aggressive. Innovative. Creative. Those are all fitting words to describe today's lenders as they stretch underwriting terms in ways that were unheard of just two years ago.
BusinessWeek February 13, 2006 David Henry	Why Junk Bonds Are Getting Junked Leveraged loans offer better terms, but their floating rates could spell trouble.
FDIC FYI March 23, 2006	Scenarios for the Next U.S. Recession. A string of positive reports on the U.S. economy and banking industry has led some analysts to ask -- How long can these good times last?
BusinessWeek October 31, 2005 Mara Der Hovanesian	Hedges: The New Corporate ATMs Hedge funds and other institutional investors are lending money to corporations as banks get pickier.
FDIC FYI January 14, 2003	Basel and the Evolution of Capital Regulation: Moving Forward, Looking Back How much capital is enough? How bank regulators have answered this question during the post World War II period has been shaped by two contending strands of thought.