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WASHINGTON (Reuters) - Banks in the United States kept tightening lending standards and terms for both business and consumer loans over the past three months out of concern about a weakening economic outlook, according to a Federal Reserve survey issued on Monday. ADVERTISEMENTThe April survey of senior loan officers at 56 domestic banks and 21 U.S. branches and agencies of foreign banks also underlined that demand for loans from businesses and consumers was weaker -- though not as markedly as in January."Substantial majorities of domestic and foreign respondents pointed to a less favorable or more uncertain economic outlook and to a worsening of industry-specific problems as reasons for tightening their lending standards on C&I (commercial and industrial) loans over the past three months," the Fed said.Harm Bandholz, an economist with UniCredit Markets, said the Fed findings implied that a broad-based credit crisis "has spilled over to the real economy and will continue to weigh on investment and consumer spending for some time."diablo 2 cd key diablo 2 cd key diablo 2 cd key wow gold wow gold wow gold world of warcraft gold world of warcraft gold world of warcraft gold buy wow gold buy wow gold buy wow gold cheap wow gold cheap wow gold cheap wow gold wow power leveling wow power leveling wow power leveling wow powerleveling wow powerleveling wow powerleveling maple story mesos maplestory mesos maple story meso aoc gold aoc power leveling aoc leveling aoc gold aoc power leveling aoc leveling aoc gold aoc power leveling aoc leveling 2moons dil 2moons gold age of conan gold aoc gold aoc power leveling age of conan power leveling aoc leveling aion gold buy aion goldThat will be accentuated by declining job opportunities, Bandholz suggested. Jobs have been lost in each of the first four months of 2008, according to government statistics.Fed policy-makers may have had the outlines of the loan officers' report when they decided last week to reduce official interest rates another quarter percentage point. At the time, anarchy online credits anarchy online credit archlord gold buy archlord gold city of heroes influence coh influence city of villains infamy cov infamy eve isk eve online iskthe Fed hinted it might halt its rate-cutting campaign while it assesses whether the 3.25 percentage points by which it has lowered benchmark U.S. rates since September will spur growth.The loan survey shows the tight lending continues to be a problem for the U.S. economy,flyff penya buy flyff gold flyff money gaia online gold gaia gold ge money granado espada vis granado espada gold guild wars gold gw gold hellgate london palladium hero online gold last chaos gold pirates of the burning sea gold potbs doubloon ragnarok zeny ro zeny rappelz rupee rappelz gold rf online gold scions of fate gold second life linden second life money which has grown at only a 0.6 percent rate during each of the last two quarters due to the drag from a deep housing crisis."About 35 percent of domestic banks and 45 percent of foreign institutions -- somewhat larger fractions than in the January survey -- noted that concerns about their banks' current or expected capital position had contributed to more stringent lending policies over the last three months," the Fed said. PUMP PRIMINGThe Fed -- the U.S. star wars galaxies swg credits the sun online the sun online gold sword of the new world vis sword of the new world gold tabula rasa credit tabula rasa credits tales of pirates gold vanguard money buy vanguard gold voyage century gold warhammer gold 2moons dil 2moons goldcentral bank -- and its counterparts in major industrial economies around the world have taken measures to pump liquidity into the banking system while policy-makers have urged financial institutions to keep lending.The survey shows banks are still lending but they are charging more, which to some extent thwarts the Fed's purpose in cutting rates and pumping money into the banking system."About 70 percent of banks -- up from 45 percent in the January survey -- indicated that they had increased spreads of loan rates over their cost of funds," age of conan power leveling aoc leveling aion gold buy aion gold anarchy online credits anarchy online credit archlord gold buy archlord gold city of heroes influence coh influence eve isk eve online isk flyff penya buy flyff gold flyff money gaia online gold gaia gold ge money granado espada vis granado espada gold guild wars gold gw goldthe Fed said.Reduced lending potentially worsens any deceleration in the broader economy because it restricts credit that businesses need for investment in such things as new equipment, and that consumers need for purchases such as new homes.The survey cited, hellgate london palladium hero online gold last chaos gold pirates of the burning sea gold potbs doubloon ragnarok zeny ro zeny rappelz rupee rappelz gold rf online gold scions of fate gold second life linden second life money silkroad gold buy silkroad goldas a reason for reduced loan demand, less need on the part of banks' customers to finance investment in plant and equipment or to carry inventories."star wars galaxies credits swg credits the sun online the sun online gold sword of the new world vis sword of the new world gold tabula rasa credit tabula rasa credits tales of pirates gold vanguard money buy vanguard gold voyage century gold warhammer goldAll foreign respondents noted a decrease in customers' needs for merger and acquisition spending," the Fed said.Some 80 percent of U.S. banks and 55 percent of foreign banks -- about the same proportions as in January -- said they were imposing tougher standards for making commercial real estate loans than they had been in the prior three months.2moons dil 2moons gold anarchy online credits anarchy online credit archlord gold buy archlord gold city of heroes influence coh influence city of villains infamy cov infamy eve isk eve online isk COSTS AND TERMS UPA majority of banks were also toughening standards for not only prime mortgage loans but also for nontraditional and subprime residential mortgages. Some 65 percent said that there was less demand for subprime loans, flyff penya buy flyff gold flyff money gaia online gold gaia gold ge money granado espada vis granado espada gold guild wars gold gw gold hellgate london palladium hero online goldthe type made most frequently to borrowers with spotty credit records. One reason that banks cited for becoming wary about lending was concern about their current or expected capital position, a sign that they are worried about their loan portfolios.last chaos gold pirates of the burning sea gold potbs doubloon ragnarok zeny ro zeny rappelz rupee rappelz gold scions of fate gold second life linden second life money star wars galaxies credits swg credits sword of the new world vis sword of the new world gold With the U.S. housing sector still in steep decline, lenders are bracing for a rising wave of foreclosures that is expected to top two million homes this year and for an inevitable increase in loans that go bad. Notably, the survey found that 70 percent of U.S. banks had stiffened their lending standards for approving applications for home equity lines of credit since January.tabula rasa credit tabula rasa credits tales of pirates gold vanguard money buy vanguard gold voyage century gold wow cd key cd key everquest2 platinum Fifty percent of banks said that for customers who already had lines of credit, ffxi gil mmorpg online games wow levelingthey had tightened terms because the value of the collateral securing them -- the homes on which credit lines were issued -- had declined significantly below appraised values.

08-20 17:45

No.7 主题：wow gold

jackier

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