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Lending

With higher interest rates, small businesses and lenders proceed with caution

by Justin Ho
Oct 10, 2023
Only a quarter of small businesses say they're getting the credit they need, according to the National Federation of Independent Business.
Some banks have been more cautious about lending to certain sectors of the economy that aren’t doing so well. That includes commercial real estate.
Alexi Rosenfeld/Getty Images
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It's getting harder to obtain loans. That's exactly what the Fed wants.

by Stephanie Hughes
Jul 18, 2023
Fewer loans means less consumer spending, and less consumer spending means lower inflation.
"Most people's financial wiggle room is pretty small, even before they have to start repaying their student loan," said Matt Schulz at LendingTree.
eric1513/Getty Images
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Banks in Turmoil

Banking crisis may be fueling the rise of so-called "shadow banks"

by Kai Ryssdal and Andie Corban
May 15, 2023
Hedge funds and private equity loans might lend like banks, but they're not regulated like them.
Shadow banks are financial institutions that provide loans but don't take deposits.
Spencer Platt/Getty Images
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Banks in Turmoil

One way to make banks safer? Make them "narrower."

by Justin Ho
May 12, 2023
Limiting riskier, illiquid investment could make banks and the financial system more stable — but the Federal Reserve isn’t so sure.
A narrow bank could just lock your money away in a vault behind the tellers or park it in a liquid investment. But those options aren't very profitable.
Evening Standard/Getty Images
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Banks in Turmoil

Banks are borrowing less from the Federal Reserve

by Nancy Marshall-Genzer
Apr 14, 2023
That's good news, but banks are still borrowing a lot more from the Fed than they typically do.
New central bank data shows that banks borrowed about $9 billion less from the Fed in the week ending April 12, according to Krishna Guha, vice chair of Evercore ISI.
Kevin Dietsch/Getty Images
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Like other banks before it, Wells Fargo pulls back from mortgage biz

by Samantha Fields
Jan 11, 2023
It used to be the top mortgage lender in the country.
Wells Fargo used to be the top mortgage lender in the country. Now it's retreating from the business as nonbank lenders gain market share.
Michael M. Santiago/Getty Images
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"It's a Wonderful Life"

Some banks still think local

by The Econ Extra Credit Team
Dec 16, 2022
Econ Extra Credit newsletter #130
Mark Wilson/Getty Images
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Schools' creditworthiness could be challenged by new costs, report says

by Stephanie Hughes
Jun 16, 2022
Teachers demanding higher pay is one example of new costs. That could make it harder for schools to borrow money, a new report says.
For large investments, schools can turn to the debt markets to raise money. But they're also facing rising costs, which could hurt their ability to borrow.
Jon Cherry/Getty Images
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How the war in Ukraine is affecting debt troubles for developing countries

by Sabri Ben-Achour and Jarrett Dang
Apr 25, 2022
Developing nations see worsening debt challenges due to the war in Ukraine.
Above, a fruit vendor waits for customers in Colombo, Sri Lanka. Higher import prices for foods are putting pressure on the currencies of developing countries, including Sri Lanka.
Ishara S. Kodikara/AFP via Getty Images
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Commercial lending could rebound this year

by Justin Ho
Jan 14, 2022
Business lending has been sluggish throughout the pandemic. But there are signs that commercial lending is starting to pick up again.
Some businesses are currently taking advantage of low interest rates for loans.
Justin Sullivan via Getty Images
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