A Quote by James Grant

It is an axiom nowadays that no bank fails for lack of capital; unprofitable lending is always the underlying cause.

James Grant

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Always Axiom Bank Capital Cause Fails Lack Lending Nowadays Underlying

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James Grant
Writer
Born: 1946

Capital market liberalization includes freeing up deposit and lending rates, opening up the market to foreign banks, and removing restrictions on capital account transactions and bank lending. The focus is on deregulation, not on finding the right regulatory structure.

Joseph Stiglitz

It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.

Evan Davis

The business of a bank is to lend money; which amounts, nowadays, to lending credit.

John Buchanan Robinson

And let the Fed sell bonds to bring bank reserves back down to required reserve levels, so we have restraint on bank lending and bank issuances of liability.

Arthur Laffer

In my own work, I have written about how our public sector bank officials avoid making any new lending decisions - because lending always exposes them to some (infinitesimal) risk of being blamed for the loan going wrong.

Abhijit Banerjee

If a lending institution is faced with bids for a package of toxic assets that are less than the carrying value of those assets, the sale of those assets would trigger a further loss and reduce the underlying capital of the institution.

Roger Altman

With weak balance sheets, banks tend to continue lending unprofitable businesses and leave them existing.

Toshihiko Fukui

I have always said that a bank's lending rates do not only depend on rate cuts - it is just one signal.

Chanda Kochhar

Small- and medium-sized businesses need access to a diverse range of finance options, including non-bank lending. These new forms of finance are still small in scale today but they should, over time, bring additional choice and greater competition to the lending market.

Vince Cable

You shouldn't be trying to create a system where no bank fails, but you should be creating one that catches a bank and allows it to fail without impacting the financial markets.

Bob Diamond

When lack of structure fails, it fails all at once. What works totally fine from 0-20 employees, is disastrous at 30.

Sam Altman

Axiom : Novel must have either one living character or a perfect pattern: fails otherwise.

E. M. Forster

You can only afford to be generous if you actually have some money in the bank to give. In the same way, if your only source of love and meaning is your spouse, then anytime he or she fails you, it will not just cause grief but a psychological cataclysm. If, however, you know something of the work of the Spirit in your life, you have enough love "in the bank" to be generous to your spouse even when you are not getting much affection or kindness at the moment.

Timothy Keller

If a bank fails in China, they behead the men at the top of it that was responsible... If we beheaded all of ours that were responsible for bank failures, we wouldn't have enough people left to bury the heads.

Will Rogers

It would be too ridiculous to go about seriously to prove that wealth does not consist in money, or in gold and silver; but in what money purchases, and is valuable only for purchasing. Money no doubt, makes always a part of the national capital; but it has already been shown that it generally makes but a small part, and always the most unprofitable part of it.

Adam Smith

Everyone may have some advise for the RBI. Some may advise, 'Cut your lending rates and raise the deposit rate.' How will a bank function? We take a medium term view. The bank has an 80-year-old history. I don't want to destroy it for a few decisions.

Raghuram Rajan

A Quote by James Grant

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