How to reach the growing 'thin file' market

Josh Kessler

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How to reach the growing 'thin file' market

机译：如何进入不断增长的“薄文件”市场

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Thomas Jefferson might have a little difficulty getting a home equity loan today, at least if he followed his own advice. He once said, "Never spend your money before you have it." While that philosophy has much to recommend it, in the consumer credit-driven U.S. economy, following such a course would make it difficult to extend credit. And in fact many potentially creditworthy bank customers have paid for things only with cash—by choice or by circircumstance. Add to this the surging immigrant population—especially Hispanics—who arrive either lacking credit histories, er being culturally predisposed to paying by cash or check. By 2050, it is predicted that more than one quarter of the population will be made up of largely immigrated Hispanics.

机译：托马斯·杰斐逊（Thomas Jefferson）今天可能很难获得房屋抵押贷款，至少要遵循他的建议。他曾经说过：“永远不要花钱之前就花钱。”尽管该理念值得推荐，但在以消费者信贷为导向的美国经济中，遵循这样的做法将很难扩大信贷。实际上，许多潜在的信誉良好的银行客户仅通过现金支付现金（通过选择或视情况而定）。除此之外，激增的移民人口，特别是西班牙裔移民，他们要么缺乏信贷历史，要么在文化上倾向于以现金或支票付款。据预测，到2050年，将有超过四分之一的人口由大量移民的西班牙裔美国人组成。

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《ABA Banking Journal》 |2005年第1期|p.464864|共3页
作者
Josh Kessler;
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Purchase Street Research, TowerGroup, Purchase, N.Y.;

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正文语种 eng
中图分类财政、金融;
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7. Proposal for a Council Regulation (EEC) on the common organization of the market in wine; Proposal for a Council Regulation (EEC) laying down special provisions relating to quality wines produced in specified regions; Proposal for a Council Regulation (EEC) laying down general rules for fixing the reference price and levying the countervailing charge for wine; Proposal for a Council Regulation (EEC) defining certain products falling within headings Nos 20.07, 22.04 and 22.05 of the Common Customs Tariff and originating in non-member countries; Proposal for a Council Regulation (EEC) on general rules for the classification of vine varieties; Proposal for a Council Regulation (EEC) concerning the addition of alcohol to products in the wine sector; Proposal for a Council Regulation (EEC) laying down general rules for the description and presentation of wines and grape musts; Proposal for a Council Regulation (EEC) on sparkling wines produced in the Community and defined in item 13 of Annex II to Regulation (EEC) No --- ; Proposal for a Council Regulation (EEC) on measures designed to adjust wine-growing potential to market requirements; Proposal for a Council Regulation (EEC) on the granting of a conversion premium in the wine sector; Proposal for a Council Regulation (EEC) laying down general rules for the import of wines, grape juice and grape must; Proposal for a Council Regulation (EEC) laying down general rules governing the distillation of wines provided for in Articles 11,12, 39 and 40 of Regulation (EEC) (submitted to the Council by the Commission). COM (78) 387 final, 2 October 1979 [O] . 1978

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