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...group, found that companies were overwhelmingly more concerned about slow or declining sales than access to credit. A full 51% of businesses cited sales as their top concern, while only 8% cited the ability to borrow money. An additional 22% cited uncertainty as their biggest worry. In unstable times, even healthy companies are unlikely to want to take on debt. (See the top 10 bankruptcies...

Author: /time Magazine | Title: Banks and Small Business: The Crunch Is Still Ahead | 3/22/2010 | See Source »

...reason: Hale's company is in good financial shape and part of a booming industry. Even though the U.S. hasn't seen a new nuclear power plant since 1996, there are now dozens on the drawing board, and the Obama Administration has announced loan guarantees to build new plants. United Controls is also seeing a spike in business from overseas countries such as Korea, Taiwan, Spain and Brazil. In other words, coming out of the recession, Hale's firm is a commodity in short supply: a top-notch credit risk...

Author: /time Magazine | Title: Banks and Small Business: The Crunch Is Still Ahead | 3/22/2010 | See Source »

...companies across the globe, anything that threatens China's buoyancy threatens their own bottom lines. (Witness the sell-off in the S&P 500 on Feb. 12, when Beijing's central bank raised by a tick the so-called reserve ratio requirement for its banks.) And nothing, not even massive government infrastructure spending, has driven China's growth more than real estate investment...

Author: /time Magazine | Title: China's Property: Bubble, Bubble, Toil and Trouble | 3/22/2010 | See Source »

...property loans in particular. The latest budget report from the Ministry of Finance, released to coincide with the opening of the National People's Congress in Beijing on March 5, draws attention to debt levels being incurred by local governments forging headlong into massive infrastructural and development projects. Even as it was being distributed, Premier Wen Jiabao was telling NPC delegates that the authorities would slow both lending and new construction in 2010, and place additional curbs on speculative property investment. A mortgage discount for first-time property buyers - which made a fixed, 5% 20-year mortgage available for just...

Author: /time Magazine | Title: China's Property: Bubble, Bubble, Toil and Trouble | 3/22/2010 | See Source »

...urban areas as part of redevelopment projects. The compensation payments, supplemented by some savings, are usually enough to buy decent apartments out of town. Economist Xie calls these resettlement payments "probably the most important government action supporting today's economy." And the fact is, Chinese municipalities are not even close to the end of such resettlement schemes. (See pictures of Beijing's changing skyline...

Author: /time Magazine | Title: China's Property: Bubble, Bubble, Toil and Trouble | 3/22/2010 | See Source »

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