| 11. | Even as borrowing rises, many consumers are paying off their debts, reducing demand for credit.
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| 12. | However, the RCCs were insufficient to meet the high demand for credit in these areas.
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| 13. | But a recovery of the real economy is required to generate renewed private demand for credit.
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| 14. | With margins already squeezed tight, such an improvement will only come through more demand for credit.
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| 15. | Lagging demand for credit is expected to depress banks'first-half profit, without derailing Spain's stock market rally.
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| 16. | Only when demand for credit is flowing again will interest rates rise to globally competitive levels.
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| 17. | Higher economic growth will help revive demand for credit after a slump in 1996, analysts said.
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| 18. | It is equilibrium rationing as there exists excess demand for credit at the equilibrium rate of interest.
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| 19. | Banks can expect increased demand for credit.
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| 20. | When rates go up, as they have been for the last year, demand for credit falls off.
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