bank lending
Institutional money advances
Bank lending is the practice of banks extending credit to borrowers—individuals, businesses, or governments—who repay with interest over time.
It encompasses mortgages, personal loans, credit cards, and commercial lines of credit.
Bank lending is central to how money circulates in an economy: Tighter regulations reduced bank lending after the financial crisis.
Small businesses depend on bank lending for expansion.
- personal loanUnsecured individual borrowing
- credit scoringAssessing borrower reliability numerically
- mortgageSecured home loan
- down paymentInitial sum toward purchase
- collateralSecurity for debt
payday loan · capital allocation · underwriting · amortization · balloon payment · securitization · business loan · student loan · debt restructuring · debt trap · auto loan · consumer spending · monetary policy · stress testing · repayment schedule · revolving credit · too big to fail · fraud prevention
- lendingloans, borrower, approval, loan sharks, loan
- Economic Growthexpansion, growth spurt, prosperity, boom, upturn
- incentive theorymoral hazard, adverse selection, principal-agent, signaling, screening
- money systemsmoney supply, money printing, printing money, fiat currency, paper money
bank lendingbank deposits
Money held by lenders
depositing · customer deposits · savings · savings accounts · certificate of deposit
bank lendingfamily loans
Debts between relatives
peer-to-peer lending · loan sharking · payday lending · shadow banking · microfinance
bank lendingventure capital
Startup growth financing
angel investment · private equity · IPO · retained earnings · bootstrapping
bank, lending, banks, banked, banking, banker, bankers, lend, lends