research paper on the topic: "Lending and its conditions"

[Archibald]

Hi friends
I need to write a research paper on the topic: "Lending and its conditions". I will be very grateful for any help and advice. You can help me a lot.🙄

[MarvBear]

Welcome to CB.    I'm sure folks would be delighted to contribute, Did you mean to post your topic in the Help I've Been Served forum for a particular reason?

[Archibald]

Did not quite understand your question.

I need any help. Or information, or tips and tricks, whatever.

[MarvBear]

I'll move your thread to a more viewed forum.  The more people that see your post, the more likely you will get some sort of response.

[cv91915]

You need to narrow down your scope considerably.  You wouldn't do a research paper on "science" or "transportation."

 

Are you interested in consumer lending or business lending?

 

If consumer, are you looking at credit cards, personal loans, casino lines of credit, overdraft protection, payday loans, how unfair it is to only lend money to people who are likely to pay it back, etc.?

[hegemony]

what is the course for which the paper is assign? your paper will vary a lot depending on the field of study; chemical engineering versus animal science versus sociology.

[pwd847]

Is this for a college level class?  If so what college and what class (the actual class number)?

[cashnocredit]

On 7/30/2020 at 1:01 AM, Archibald said:

Hi friends
I need to write a research paper on the topic: "Lending and its conditions". I will be very grateful for any help and advice. You can help me a lot.🙄

There's all kinds of lending. For instance when you deposit money in a savings account you are lending the bank money and expect that you can get it back with interest.

 

All lending is based on the concept that someone wants the use of someone else's money and they are willing to provide it for an extra charge. How large that is depends on the credit worthiness of the borrower and what risk the lender is willing to take.

 

Beyond that lending is heavily regulated and depends on lots of variables. This is a very broad subject.

 

The largest lender in the US is the federal reserve. They also publish a lot of studies on different aspects of lending both consumer and commercial.

 

https://www.federalreserve.gov/monetarypolicy/mainstreetlending.htm