OT <<Why wouldn't you see the "decline" as a response to a fall in demand, seeing as how much of the previous rise went to overbuilding commercial properties that are currently unoccupied?
The pleading (bullying?)by this administration for bankers to increase lending is silly populist rant IMHO. >>
I can tell you first hand its not silly populist rant. There has been some decline in demand for borrowing as a result of a slower economy and less construction build. However, I know numerous solid, stable and good performing businesses that cannot get additional bank provided financing to expand and grow their businesses.
In addition, Private Equity firms trying to close deals of any decent amount ($200 million and greater) were essentially shut-out from financing from late 2008 until October 2009. Lending has opened up rather nicely recently however with significantly higher borrowing costs and considerable less leverage than 12-18 months ago. Not saying this is a bad thing necessarily, however, there is a tremendous amount of demand.
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