The Credit Crunch And Regulatory Burdens in Bank Lending Hearings Before the C

Cover 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
Consumer United States Congress House Committee On Gover
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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.


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