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Regulation on Small Business & Home Loans

 
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PostPosted: Sun Nov 02, 2014 2:37 pm    Post subject: Regulation on Small Business & Home Loans Reply with quote

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The saying goes something like the bond market has predicted eight of the last three recessions.

And, it seems, the bond market sends signals to the Fed, including through the yield curve.

Generally, accommodative monetary policy boosted both the bond and stock markets.

However, it seems, excessive banking regulations raised lending standards too high for small business and home loans:

“Small businesses employ roughly half of the private sector labor force and provide more than 40 percent of the private sector’s contribution to gross domestic product. If small businesses have been unable to access the credit they need, they may be underperforming, slowing economic growth and employment.

A combination of reduced creditworthiness, the declining value of homes (a major source of small business loan collateral), and tightened lending standards has reduced the number of small companies able to tap credit markets.”

http://www.clevelandfed.org/research/commentary/2013/2013-10.cfm

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