Word: lend
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Dates: during 2000-2009
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Under the current system student loans are administered through two very distinct mechanisms, the Federal Family Education Loan (FFEL) Program and the Direct Loan program. From the perspective of students there isn’t any difference between the two—the programs lend out money at identical interest rates and under identical terms—but the American taxpayers who fund these operations might want to take a closer look...
...Direct Loan program is a good model of government efficiency: The feds raise capital at low interest rates, lend it directly to college students, and pick up the interest for their trouble. This offsets the cost of contracting out the collection duties to private companies...
...state-owned banks, which typically ignore small private ventures. So when entrepreneurs need capital, they turn to "shadow" banks?China's vast, flourishing gray market of unregulated lenders, including companies run by people like Ye, associations made up of citizens who pool their savings to invest and to lend among themselves, and informal lending between firms...
...Beijing has even made Zhejiang's healthy government-run banking system, which lends heavily to private companies, into a national model. Wenzhou was the first city to allow banks to ignore government caps and lend at whatever rate the market would bear. Higher rates meant the banks were better rewarded for the risks of lending to small job-creating firms. On Oct. 28, Beijing finally granted the same right to all of the country's banks. The city of Taizhou even has China's first fully private bank, the Taizhou City Commercial Bank. Regulators have refused to approve...
...stimuli. As distinct countries with distinct histories and locations, Israel and the United States deserve to be analyzed and understood in their own contexts and for their own actions. Neither Israelis nor Americans, nor the Jews who inhabit those categories, benefit from erasing Jewish, Israeli or American specificity. Why lend ourselves to conspiracy theories if we aren’t even benefiting from their grain of misunderstood truth...