31.   As Merrill Lynch strategist Chuck Clough notes, banks are not exactly falling all over themselves to find money to make more loans.

32.   As a result they stopped making new loans, causing a tightening of credit in real estate.

33.   As losses grow, banks are unable to make loans to businesses that could recharge the economy.

34.   At an hourlong discussion afterward with South African bankers and small-business executives, Rubin heard bankers explain why they did not make loans in impoverished areas.

35.   Asset-based lenders make secured loans to companies that cannot otherwise readily borrow from commercial banks or the debt market.

36.   At Capital, the government also uncovered some illegal lending practices, such as making loans to shareholders for the acquisition of company shares.

37.   At the same time, lenders have become more reluctant to make loans.

38.   Authorities yesterday arrested three bank executives and a former managing director on suspicion of making the loans.

39.   Auto finance companies actually seek to make riskier loans to boost profits, experts say.

40.   At the same time, banks in South Korea fueled the growth by making loans that have now gone bad.