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Why banks are not lending money the days

Question: Everyone has an opinion why banks are not lending money these days. One author in the article The Real Reason Banks Won't Lend Any Money talks about it from personal experience. He gives several reasons but one in particular is that, they won't start lending until interest rates move up. Discuss why you think this is a factor and do you agree or disagree with this assessment?

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Finance Basics: Why banks are not lending money the days

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