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Credit Crunch

   Also found in: Dictionary/thesaurus, Encyclopedia, Wikipedia 0.04 sec.
credit crunch
A period during which borrowed funds are difficult to obtain and, even if funds can be found, interest rates are very high. Credit crunches were particularly severe before 1980 when the ceilings on interest rates that financial institutions could pay resulted in a drying up of deposits.

Credit Crunch

What Does Credit Crunch Mean?

An economic condition characterized by extreme difficulty in obtaining capital. Banks and investors become wary of lending funds to corporations, and that drives up the price of debt products for borrowers.

Investopedia explains Credit Crunch

Credit crunches usually occur during recessions. A credit crunch makes it nearly impossible for companies to borrow money because lenders are scared of bankruptcies or defaults and charge higher interest rates because of that fear. The result is a slowdown in growth that leads to a prolonged recession (or slower recovery), which is compounded as banks hold tight to the banking reserves.

Related Terms:
Bankruptcy
Bear Market
Debt
Recession
Subprime Meltdown



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Sensible banks would respond by pulling back exposure everywhere because a credit crunch in an industry like steel or automobiles could have vast implications for debtors in all industries.
Teikoku cited "institutional financial support [from] the government, a decreasing number of promissory notes due to the credit crunch and avoidance of bankruptcy risk, with controlling investment for new business or facilities.
 
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