美国银行业放贷现67年最大降幅

卜丁

截至去年年底，美国银行业贷款出现1942年以来的最大降幅，反映出银行业境况的持续下滑正在阻碍经济复苏。

美国联邦存款保险公司(Federal Deposit Insurance Corp.，简称FDIC)发布的一份季度报告显示，虽然顶级银行复元速度较快，但其他银行仍处于困境。为生存而苦苦挣扎、特别是蒙受了商业地产损失的银行，放贷意愿下降，使企业与消费者面临信贷困难。

除贷款总额出现67年来最大年度降幅以外，美国银行业还表现出多种其他惨状。据FDIC数据，美国濒临破产的银行数量达702家，为16年来最多。所有贷款中，超过5%至少延期了三个月，这是有此数据以来的26年中最高的比例。预计这些问题还将延续到2010年全年。

FDIC董事长拜尔(Sheila Bair)表示，银行业“在信贷周期的底部跌跌撞撞”，2010年银行破产数量可能会超过去年的140家。

政策制定者希望银行恢复放贷，但美国银行业的疲态仍是困扰着他们的一个难题。美国国会和政府曾力促银行放贷，特别是考虑到过去两年金融业还接受了大量公共注资。银行团体及其成员反驳说，监管机构要求它们更加谨慎，而处境艰难的消费者和企业没有需求。

类似奥巴马政府300亿美元小企业贷款计划这样的项目，都将需要依靠银行贷款，而很多银行自己仍面临着商业地产问题的激增，并被监管机构要求充实准备金。

尚不清楚的是，贷款大幅下降是缘于银行收紧贷款标准，还是因为经济低迷形势下潜在借款人需求不旺。另外一个原因可能是银行在积极地削减贷款资产规模。

Michael R. Crittenden / Marshall Eckblad

bobcat

“美国国会和政府曾力促银行放贷”

曾经这样做过，但现在OB反其道而行之，对放贷要求极严。这是OB推高失业率的绝招。

dividend_growth

不是银行不贷，而是人民不借。

政府帮老百姓deleverage不对吗？

O8现在是要银行去买国库券！

AGA7d

Look at the mess at FHA, you cannot force lending. Policy lending always incurs high loss rate.

BlueRiver

if banks can borrow at 0%, buy treasuries for %3+ return, what's the point to make a loan given the current economic condition ? And Fed just assures that the rate won't change for a while, the lending will just keep falling.

many small business are simply starved, and who is going to hire when your credit is drying out ?

this is a paradox : lower the rate ? Banks won't lend, business won't hire. raise the rate ? Banks may start to lend, but business don't want to borrow, and still won't hire

bobcat

if banks can borrow at 0%, buy treasuries for %3+ return, what's the point to make a loan given the current economic condition ? And Fed just assures that the rate won't change for a while, the lendin ...
BlueRiver 发表于 2010-2-24 14:47

小企业极难贷到款。 我一个朋友就贷不到款，原因甚至与他个人无关。

BlueRiver

6# bobcat

that's true, I went skiing 2 weeks ago, On  I-80 between Tahoe and San Francisco, each time I passed a shopping mall, I looked at the billboard. Most of the billboards are half empty, obviously many stores were closed. This is very troubling for small, regional banks, which depend heavily on commercial real estate loan.

AGA7d

6# bobcat

that's true, I went skiing 2 weeks ago, On  I-80 between Tahoe and San Francisco, each time I passed a shopping mall, I looked at the billboard. Most of the billboards are half empty, o ...
BlueRiver 发表于 2010-2-24 19:52

How many troubled small regional banks are there?

"On top of that, the FDICs list of problem banks grew during the fourth quarter from 552 to 702. That is the highest number since 1993 (when, we presume, more independently owned banks were around, so its worse than it sounds)."

Small business are not hiring, state and local gov are firing, how can job prospect get better?