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Rational pricing makes a comeback

机译:合理定价卷土重来

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摘要

Combine low-cost funds with an influx of de novos and nonbank lenders plus a booming economy and it's not surprising that net interest margins have been squeezed. Actually, margins for the industry as a whole have been trending downward since the end of the last big banking downturn (see nearby chart), reaching their nadir early this year. Now that the ranks of lenders have been thinned, and borrower demand cooled off, margins have turned back up.
机译:结合低成本基金,大量新生代和非银行贷款人以及蓬勃发展的经济,净利息收益率受到挤压就不足为奇了。实际上,自上次大银行业衰退结束以来,整个行业的利润一直呈下降趋势(见下图),今年年初达到最低点。现在,放贷机构的人数已经减少,借款人的需求降温了,利润率又恢复了。

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