The sovereign debt crisis that isn't: Or, How to turn a lending crisis into a spending crisis and pocket the spread. ACES Cases No. 2014.1

It’s a testament to the power of ideas in politics that the ongoing policy disaster in Europe is still referred to, by academic as well as popular commentators, as the European Sovereign Debt Crisis. That there was a crisis in European sovereign debt markets in 2010 through the middle of 2012 is not in doubt. That is was a crisis of European sovereign debt markets generated by ‘too much spending’ should be very much in doubt. The ongoing European economic crisis is in fact a transmuted private sector banking crisis first exacerbated and then calmed by central bank policy, the costs of which have been asymmetrically distributed across European mass publics.

The Business Models and Economics of Peer-to-Peer lending. ECRI Research Report No 17, May 2016

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation. P2P platform technology allows direct matching of borrowers’ and lenders’ diversification over a large number of borrowers without the loans having to be held on an intermediary balance sheet. P2P lending has developed rapidly in both the US and the UK, but it still represents a small fraction, less than 1%, of the stock of bank lending. In the UK – but not elsewhere – it is an important source of loans for smaller companies. We argue that P2P lending is fundamentally complementary to, and not competitive with, conventional banking. We therefore expect banks to adapt to the emergence of P2P lending, either by cooperating closely with third-party P2P lending platforms or offering their own proprietary platforms. We also argue that the full development of the sector requires much further work addressing the risks and business and regulatory issues in P2P lending, including risk communication, orderly resolution of platform failure, control of liquidity risks and minimisation of fraud, security and operational risks. This will depend on developing reliable business processes, the promotion to the full extent possible of transparency and standardisation and appropriate regulation that serves the needs of customers.

Catalogue of the central lending library.

Mode of access: Internet.

The Computer Software Rental Amendments Act of 1990 : the nonprofit library lending exemption to the "rental right" : a report of the acting Register of Copyrights.

"March 1994."

International bank lending : hearings before the Subcommittee on Financial Institutions Supervision, Regulation and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-eighth Congress, first session, April 20 and 21, 1983.

Item 1013-A, 1013-B (microfiche)

Farm-mortgage lending experience of twenty-three life insurance companies, the Federal land banks, and the Farmers Home Administration, October through December 1959 /

"ARS 43-122."

WILLIAM SHAKESPEARE: HAND-LIST OF EDITIONS, COMMENTARIES, ETC., IN THE CENTRAL REFERENCE AND LENDING DEPARTMENTS

Mode of access: Internet.

Report on lending agencies, prepared for the Commission on Organization of the Executive Branch of the Government.

Mode of access: Internet.

Lending, guaranteeing, and insurance activities : a report to the Congress.

Mode of access: Internet.

Review of REA loan programs and lending policies [microform] : hearings before the Subcommittee on Conservation, Credit, and Rural Development of the Committee on Agriculture, House of Representatives, Ninety-seventh Congress, second session, May 4 and 13, 1982.

"Serial no. 97-QQQ."

Catalogue: specialized lending library on the Middle East.

Accompanied by "Supplement, Jan. 1, 1963." (29 p.) Published: [Washington], 1963.

Affirmative lending programs at California savings and loan associations, 1979 update : results of a survey /

Mode of access: Internet.

Catalogue of the Central Lending Department of the Aston Manor public Library : arranged on the dictionary plan.

Mode of access: Internet.

Supplementary catalogue of books added to the lending department, from February, 1897, to June, 1901.

Mode of access: Internet.

Resumption of the arguments & observations more immediately directed in his last letter to Lord John Russell, but in this to Lord Melbourne, with a view to shew the imprudence and folly of lending their great names to countenance revolutionists & infidels.

Attack on Robert Owen.