Traduction de «Prêt peu rentable » (Français → Anglais) :

badly performing loan

non-performing loan [ nonperforming loan ]

marginal farm

In 1994, the Standing Committee on Industry, the Small Business Working Committee and other research identified four capital market inefficiencies which were sometimes seen as gaps by small business: the " risk gap" , linked to lenders' unwillingness to lend at any price to riskier businesses; the " size gap" that denies loans under $100,000 which were seen as unprofitable; a " knowledge gap" that makes lenders reluctant to finance low-asset firms developing new technologies or new export markets; and a " flexibility gap" that expects steady payments, not taking into account the unsteady cash flow of many growing small businesses.

I noticed that the bank had become more risk averse and that it granted low-risk loans which are more profitable in the long term. And, as you perhaps noted—I insist on the word “perhaps”—in the course of your research, the bank has taken on more of a consultant role.

If there are no rules and if there is no money coming from any level of government, particularly the province and the feds, then the companies charge whatever the market will bear and cut back on those routes that they consider commercially unsound.

That being said, we offer three cautionary notes: One, the bus safety framework must be upgraded prior to any bus deregulation; second, government must publicly decide either to abandon small town Canada, or it must put into place a program of direct subsidies to ensure continuing service to communities on unprofitable routes before any bus deregulation can occur; third, after bus deregulation, government must be prepared to accept the reality that almost all bus routes in Canada will only be served by a single bus carrier, and that instances of ongoing competition in scheduled bus passenger markets will be rare.