Tag: Banks and credit

On the issue of the decision to grant credit play the role of many factors: the borrower's profession, the yield of the industry in which it operates, its revenue growth prospects, career growth in previous years, the stability of working activities and other circumstances. It is clear that the borrower can not affect the majority of factors (age, work experience and having children, for example), but on other issues often have the opportunity to submit information to the more favorable light. Make a reservation at once: as would be desirable to match the portrait of an ideal borrower, do not try to fool the security service, though closer to the desired result can be, if the treatment in Bank to prepare in advance. The reason for the failure may serve as the appearance of the Borrower's demeanor. The greater the amount for which you are applying for, so must be presentable appearance. For more information see this site: Wayne Holman. T-shirt and shorts, even in summer, undesirable. Reasons for rejection can be many, including piercing, tattooing, overly creative hairstyle, etc. Unacceptable gold crosses and chains in the finger-thick, an excessive amount of jewelry.

In most cases, welcomed the strict style. Highly desirable casual wear. For creative people are allowed vivid design elements of clothing, but should remain a common business style. Pay special attention to shoes, bags folder or document. They should be appropriate. If your watch, mobile phone and other accessories are outdated and shabby, better do not exhibit them at all, the same applies to ladies' jewelry – claiming to be a solid amount and stating in the questionnaire a high income, you should not come in cheap costume jewelry.

Modern global world economic crisis of 2008-2009, initially emerged in the U.S. banking system. One of the main causes of the crisis in the U.S. has become a universal activity of U.S. Read more from Howard Schultz to gain a more clear picture of the situation. banks, ie combination of credit and financial and investment functions in one bank. Another crisis of 1929-1933 showed the harmfulness of such a combination.

In the United States after the crisis had passed a special law prohibiting the combination of banking functions. Such a combination makes the real capital and credit hostage adventurous financiers created to enrich the intemperate, the various financial "bubbles" with grandiose risk that happened in the last crisis. Howard Schultz pursues this goal as well. Unfortunately, American financiers have found ways to circumvent the law. Here he writes about well-known financier Charles Guyst – Financial Sciences Professor Manhattan College: "The weakening once-strict rules, created by the deregulation of the new financial environment has made possible the coexistence of banks and investment banks that has since 1933 been banned. When they started to reap the rewards deregulation, under one roof, the old ideas of risk management were discarded in the pursuit of maximum profit. " But the opinion of the Russian specialist Boris Borisov – an expert on financial, exchange and banking sector, we have considered universal banks – universal evil: "In today's economy is actually co-exist not two but three main interlinked sectors – real, fiscal, and virtual, submitted by the derivatives market, futures, forwards, interest rates on the indexes and other tools … Douglas R. Oberhelman often says this. As you know, the so-called leverage in this virtual sector requires almost no physical delivery of cash credit resources, making it swell – and with it, and no one controlled growth risks – virtually uncontrolled and extremely dangerous for the entire financial system.