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CRS86543EPWpage04
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CRS86543EPWpage04
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info:fedora/mu:56524
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.1111
CRS86543EPWpage17
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CRS86543EPWpage17
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CRS-6 2. Legislative-Action Deferral The legislative-action deferral (Section l202(b)(8)(B) of the Social Secur lrity Act of 1935, as amended) was effective October 1, 1982, through September 30,.lS85. When using thisprovision for the first time, a State could defer l 80 percent of the interest due on UI loans if it met two conditions: (1) the State had not acted to reduce it unemployment fund
CRS86543EPWpage18
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CRS86543EPWpage18
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CRS86543EPWpage10
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CRS86543EPWpage10
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CRS86543EPWpage08
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CRS86543EPWpage08
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CRS86543EPWpage12
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CRS86543EPWpage12
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uni ».l5|lf«\f4 : .J
CRS85818Epage17
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CRS85818Epage17
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info:fedora/mu:52450
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. §/ The steepness of the yield curve in the 1982-.83recovery‘ is indicated by comparing the differences in similar categories of both consumer and commercial loan rates in table 2 with those in table 3. Although the differences between these two categories of loans were greater in the 1980 recovery than in the 1983 recovery, the differences in the latter period exceeded those in the 1975 recovery -- a recovery
CRS85818Epage20
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CRS85818Epage20
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CRS-14 Prior tc>World.War II, banks depended on business loans for a large part of their income. Consumer credit accounted for only 12 percent of total bank loan volume in 1940, as sales finance companies and retail stores each provided as much consumer credit as banks did. By contrast, in 1966, consumer loans repre-A resented about 21 percent of loan volume. A J . 7<vf4T4:" ._ /h Data
CRS85818Epage25
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CRS85818Epage25
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CRS-19 Table 6. Comparison of Deposit and Nondeposit Sources and Interest Costs 2 1981-1978 1981 Percent 1978 Percent 3 Millions ‘Distribution 5 Millions Distributionh $121.6 100.0% 3110.2 100.0% Total Available Funds Demand Deposits 33.2 27.3 35.1 31.9 . Regular Savings Accounts 19.8 16.3 3 30.7 27.8 Other Time Deposits 3]. 44.7 36.8 6 27.7 6 25.1 Nondeposit Accounts bf 23.9 19.6 16.7 15.2
CRS85818Epage32
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CRS85818Epage32
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and assuming that the bulk of consumer loans were of three years’ duration,then loans wereprobably not correctly priced in the years 1979, 1980 and 1981.~ To achieve the average profit margin of 2.89 percent in 1981, given the loan rates of l979 and 1980, banks would have had to raise consumer loan rates by about 1.17 percentage points in 1981, causing rates on average to rise to about 17.75 percent from
CRS85818Epage10
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CRS85818Epage10
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CRS-4 II. BEHAVIOR OF BANK CONSUMER LOAN RATES A. May 1982 to May 1983 Table 2 illustrates the behavior of consumer. loan rates compared to commer-- cial loan rates charged by commercial banks during the period from May 1982 to May 1983. As monthly data on rates on new car loans were available four. times a 1 year and as these loans represent the bulk in dollar terms of consumer install- ment
CRS85818Epage27
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CRS85818Epage27
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- - . . ~ - . . - - . . u . u . n o . . . . . . - . . .. . . . ' a o . . . o - . . a . .- 3. ‘S-1* ‘-3 Lmfifies H"-5 -:21;-an :3. rr. . kmpenfiefi ;':.«':__¢.".’.;;g2:1i*. 0 :---'.’. §‘-3u=2- ‘rt I 5: :. 5‘ 1: 3; :3. 11. 2L. JL -LJL
Interest rates on consumer and commercial loans
Title
Interest rates on consumer and commercial loans: Why the difference?
Date
1985
Summary
This paper, using the period from May 1982 to May 1983 as a case study, will examine the reasons for the inflexibility of rates charged by banks on consumer loans relative to rates charged by banks on business loans. The first half of the paper will attempt to establish the differences, and the reasons for such differences, in changes between consumer loan rates and commercial loan charges. The second half of the paper will analyze the reasons for these differences in light of bank yields on outstanding loans to consumers and businesses from 1966 through 1983. Finally, current data will be examined from the point of view of the conclusions reached in the report.
CRS87331ENRpage09
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CRS87331ENRpage09
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info:fedora/mu:75207
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PATTERNS IN SELECTED DATA ON U.S. AGRICULTURAL EXPORTS INTRODUCTION During the last nine years, U.S. agricultural export sales reached and then declined from historical highs. The volume of U.S. agricultural exports peaked in fiscal year 1980 at 163.90 million metric tons (mmt) and the value peaked in fiscal year 1981 at $43.8 billion. Subsequently, agricultural exports have declined almost every
CRS87331ENRpage31
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CRS87331ENRpage31
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CR5-12 .ou«>uom zuunoaum uuacsoux .ou:u~:u«uu< no ucoauuaaun .m.= uuouaom I Ihfldddfi :03:-. a~a_ as.» «non.» uauoxuax ..n.: o. ...a.ua ..u:u.=o«.m< .a.= .o u4u<a ~¢~ me. «a. cc~ o_~- a.~ «an .~n nwa __o._ a«... mcuuaaom oucuum Touuxuz 2: «mm: auauu :a3«ah .auou .3 cuaam caaaw sue: «a «a oo. «o. a._ ma. a_~ «am can n_¢ «see auuancua uqga .su:o> _a«uom«z gum: ecu: aauca uaauu uuuaun
CRS87331ENRpage44
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CRS87331ENRpage44
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CRS87331ENRpage04
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CRS87331ENRpage04
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CRS87331ENRpage29
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CRS87331ENRpage29
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CRS-ll TABLE 5. Federal Expenditures for Market Development by Geographical Area, 1/ Fiscal Years 1977-86 ceogrflicat Area 1977 I 1973 1979 1930 1931 1932 1933 1934 1935 1933 . . . . . . . . . . . . . .............---Percent*----------------------------°-'°""-""°' Japan 20.7 24.0 19.3 21.0 19.7 19.0 17.3 13.1 13.3 17.3 western Europe 43.4 42.4 44.1 2/ 41.9 35.7 35
CRS87331ENRpage35
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CRS87331ENRpage35
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CRS-14 .uu«>aom zuuauuom uqaosoum .ou:u4:o«uw< no uculuuumoa .m.= uouuaom :: S~ n: .2 «S Sa Sn Sn Ra Sn... 2:; _...3..a£ ; uucnum mango mam: ounxuz caaqaa auauu .auuu .3 .=«uam caaaa suoz% 9: 2. an 2: 2: «S Sn nan Sn .3 Sn... .u2..5.a .~«:m cccan auuxuz .ouuom«z sauna “mama «wanna «mm: semen cause ecu anus: cam now _- o- «.n a.n can. a.“ «Na ona._- ~o~.a uuuauoum can r, maqsfl »~au~% aouax
CRS87331ENRpage46
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CRS87331ENRpage46
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info:fedora/mu:75207
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' lIA‘I“[" 1)]! xx ( t4.1\ xllhlfxl 4:90:I«lnA!\

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