Wednesday, 2 October 2013

The 1920's all over again: The Greek Transfer Problem

Germany in the 1920's: The Transfer Problem
Keynes, in 1929, stated that the problem of German reparations after World War I could be reduced into two issues: the Budgetary Problem (i.e. how to extract the necessary amount from the country) and the Transfer Problem (i.e. converting the German money received into foreign currency). The fact that Germany had been borrowing abroad for domestic capital purposes temporarily solved the problem, yet the situation could not hold for ever. Thus, the only potential resolution of finding the funds to cover for the Budgetary Problem would be to increase exports by a significant amount; a feat that could only be achieved by shifting factors of production from other employments to the German export industry.

The only reasonable explanation for Keynes was that Germany had to reduce her costs of production first, as supply of labour was more than enough at the time. Using this rationale, solving the Transfer problem would mean that German gold-costs of production relative to such costs elsewhere would have to be reduced either through increased efficiency, lowering of interest rates or lowering efficiency wages. As the first two did not appear to be available for change (efficiency was high at the time and lowering interest rates, i.e. cheap money for Germany, was not an option) a reduction of the efficiency-wages in Germany was the only alternative left.

However, such a reduction in efficiency wages would make the extraction of the funds needed for reparations (i.e. the Budgetary Problem) much more challenging. In addition, lowering money-wages would be to no avail if:
i.   Output could not be exported
ii.  Demand elasticity for Germany’s goods was less than one
iii. Germany’s competitors reduced their efficiency wages pari passu
iv.  Foreign customers imposed tariffs on German goods

This lowering of money-wages would not mean that real-wages would be reduced by the same amount as home-goods prices are expected to fall. On the other hand, efficiency could also be reduced in response to the wages which could trigger an even larger decrease in money-wages and so on.

The mechanisms which would provide for such a decrease in wages were two: the fall of the German Mark’s exchange rate (which was prohibited by the Dawes scheme) or by allowing the Reichsbank to enforce deflation, which would curtail the activity of business and throw people out of employment, so that when sufficient amount of workers are out of employment they would accept a reduction in their money wages. In Keynes's own words "Whether this is politically and humanly feasible is another matter".

Greece in the 2010's
On May 2nd, 2010, the IMF and the Eurozone authorities (Troika) agreed on a bail-out loan of €110 billion. The influx of funds, which was mainly employed in bank recapitalizations and debt restructuring, came with the need to increase government revenue, while simultaneously reducing expenses so that future installments could be met. Given that Greece did not possess a national currency to devaluate (much like Germany in the 1920’s) the additional three options had to be assessed; greater efficiency, cheaper money or lowering the money-wages.

Blue line: Corporate Lending Rate. Orange line: Mortgage Lending Rate
Although interest rates decreased slightly, they remained a relatively high level compared with the rest of the Eurozone, perhaps indicative of the fact that Greece is still at risk. Issuance of sovereign bonds was not an option for the country since she had been out of the markets since April 2010, thus, no opportunity for cheap money was not available. Increased efficiency was an issue considered in the country, yet, due to over-crowding in the government sector, lay-offs were implemented, both as a measure to increase efficiency as well as a measure to decrease government spending. Thus, the only remaining alternative was a reduction in money-wages.

Reduced government spending meant reduced state stimulus in the economy; thus, the Budgetary problem had to be resolved as less available money would have to compensate for the same amount of state revenues (to meet debt repayments). The challenge was no less tempting than the one faced by Germany in the 1920’s and the necessity to create additional income to compensate for the increased installments which had to be paid in the following periods, drove the economy to the only other alternative: deflation.

Not possessing a national currency (much like Germany could not devaluate hers) meant that the nation would either be forced to borrow from abroad to repay her current installments (which was infeasible for Greece) or increase the trade balance in favour of exports. In Keynes's mind, this could only occur if money-wages were reduced; as we have seen before indicate that before, money-wages in Greece decreased, although they were much stickier than most expected.

The shift of factors of production in Greece the borrower’s price of Imports relative to Exports is consistently rising over time, which leads to decreased export prices and increased import ones. This is consistent with the Keynesian premise that factors of production need to shift from industries which focus on domestic goods to ones which focus on exports, consequently decreasing export prices as a result of lower efficiency wages.

Import over Export Prices
Conclusion
Since Greece was unable to devaluate her currency to accommodate for the flow of goods in her economy after the first bail-out, the transfer problem deteriorated the nation’s finances, which promoted a shift in the factors of production from home-goods to export-goods, albeit at a significant cost to the country’s economy: unemployment has exceeded 26%. Consequently, the Budgetary problem of extracting a significant amount of funds from a reduced amount of wages in an economy, arose; this in its turn provided the need for debt restructuring, both in the sense of reducing the debt burden as well as making debt terms more lax. 

Why should we pay attention to this? Simply because this has been largely ignored by most economists when the design of the Greek restructuring plan took place (and every other EU bail-out before or since, to be fair) and led to consequences econometric models were unable to project. In addition, since none of the countries which received a bail-out has been able to come out of it successfully yet, (although Cyprus has some hopes since new bank loan offers have already began) the matter presented here should be of extreme interest both for any future bail-outs that may be needed (Slovenia is likely candidate for example) as well as for re-examining where policy went wrong in the Eurozone. Past experiences with austerity when countries had their own sovereign currencies had nothing to do with what was (and is) asked of the bailed-out member: a depreciation of the exchange rate when there is no exchange rate to depreciate. This is what has mainly been the cause of the severe contraction of the Eurozone economy has been the inflexibility of the economy (see also here) which is a result of stickiness in the short-run and the lack of sovereign currency to depreciate. In its turn, this forced the shifting of factors of production from one sector to another while at the same time created an army of unemployed.

To paraphrase Keynes, it appears that such policies were deemed as politically and humanly feasible in the 2010's EU. Unfortunately, the costs were both miscalculated and neglected.

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    My name is Mrs Patricia Ann, from Eastman, Georgia, I am a single mother blessed with 2 sons, For a while, I have been searching for a genuine loan lender who could help me with a loan as I no longer have a job, all I got were hoodlums who made me trust them and at the end they took my money without giving me any loan, my hope was lost, I got confused and frustrated, it became difficult for my family to feed with a good meal, I never wanted to have anything to do with any loan lending companies on the internet again. Not until I met a God sent loan lender that changed my life and that of my family Through the help of a fellowship member a lender with the fear of God in him, Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the man God sent to elevate my family from suffering. At first I thought it wasn’t going to be possible due to my previous experience until I received my loan amount of $45,000USD about a couple of day ago on the 6th/July/2016. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM All thanks to him and to GOD for leading me into meeting him. God bless you.

    ReplyDelete
  18. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
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    ReplyDelete
  19. Do you need Financial Assistance?
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    ReplyDelete
  20. We The Islamic Family of Abdallah,Afandi We grant loans to businesses and
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    ReplyDelete
    Replies
    1. Testimony of financial breakthrough from GOD through the help of Funding Circle Loan INC. (fundingloanplc@yahoo.com OR Call/Text +14067326622)

      Hi I'am Evelyn Russell resident at 808 NE 19th St Oklahoma City, I am a single mother blessed with 2 daughters. For a while now I have been searching for a genuine loan lender who could help me with a loan as I no longer have a job, all I got were hoodlums who made me trust them and at the end they took my money without giving me any loan, my hope was lost, I got confused and frustrated, it became difficult for my family to feed with a good meal, I never wanted to have anything to do with any loan lending companies on the internet again. Not until I met a Godsent loan lender that changed my life and that of my family Through the help of a fellowship member "a lender with the fear of God in him Mr JASON RAYMOND, he was the man God sent to elevate my family from suffering. At first I thought it wasn’t going to be possible due to my previous experience until I received my loan worth $135,000.00 USD in less then 24hours. So my advise to anyone out there genuinely in need of a loan is to contact Funding Circle Loan INC through this official email:- fundingloanplc@yahoo.com OR Call/Text +14067326622 and be financial lifted.


      Delete
  21. We offer a wide range of financial services which includes: Business Planning,
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    ReplyDelete

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    ReplyDelete
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  29. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  30. Do you need Financial Assistance?
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    ReplyDelete
  31. Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , PergoCF@qualityservice.com , PergoCF@aol.com

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  37. OUT OF FINANCIAL MESS WITH THE HELP OF MARTINEZ LEXIE (Lexieloancompany@yahoo.com OR +18168926958).

    I have been in financial mess for the past months, I'm a single mum with kids to look after. My name is Renee Joan Rothell, and am from Ridley Park, Pennsylvania. A couple of weeks ago My friend visited me and along our discussion she told me about Mr Martinez Lexie of ( Lexieloancompany@yahoo.com ); that he can help me out of my financial situation, I never believed cause I have spend so much money on different loan lenders who did nothing other than running away with my money. She advised, I gave it a try because she and some of her colleagues were rescued too by this Godsent lender with loans to revive their dying businesses and paying off bills. so I mailed him and explain all about my financial situation and therefore took me through the loan process which was very brief and easy.. After that my loan application worth 78,000.00 USD was granted, all i did was to follow the processing and be cooperative and today I am a proud business owner sharing the testimony of God-sent Lender. You can as well reach him through the Company website: http://lexieloans.bravesites.com OR text: +18168926958

    ReplyDelete
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  48. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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    ReplyDelete
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  62. We are a Finance Industry Company professionals with over 15 Years Experience and a focus on providing Bank Guarantee and Standby Letter of Credit from some of the World Top 25 Prime Banks primarily from Barclays, Deutsche Bank, HSBC,Credit Suisse e.t.c.

    FEATURES:
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    Name:Richardson McAnthony
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    ReplyDelete
  63. Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours.

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    ReplyDelete
  64. Hello i am Janet clerk,i live in Georgia U.S.A and i am a single mom,i had financial problem and it was very bad but thank God for this private lender Mr Angga Diman who helped me with a loan of 30,000usd and now we are good all thanks to Mr Angga Diman.

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    ReplyDelete
  65. Good Day Dear Loan Seeker,

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  66. Do You Need A Business Loan?
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  67. Do You Need A Business Loan?
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  68. Do You Need A Business Loan?
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  69. Do You Need A Business Loan?
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    ReplyDelete
  88. HOW I GOT A LOAN THAT TRANSFORMED MY LIFE INTO A HEALTHY AND

    WEALTHY LIFE (AGILEINVESTMENTSLIMITED@OUTLOOK.COM)

    Hello Everyone,I am Mrs Mendal lucy, currently living in Louisiana USA, I want to use this medium to testify on how my life was transformed by a real and legit loan lender. I was stuck in a financial situation in the last few months now I have a comfortable healthy and wealthy life without stress or financial difficulties. After two(2) months of trying to get a loan from various loan firm both private and cooperate but never was a success, and most banks declined my credit. I became so desperate in getting a loan from a legit lender cause I was going through pains, On this faithful day I ran into a friend of mine who recently got a loan from AGILE INVESTMENTS LIMITED we discussed about the issue and she was kind enough to introduce me to Mr Aurimas Zimnickas who is the C.E.O of AGILE INVESTMENTS LIMITED, I applied for a loan sum of $450,000.00USD with low interest rate of 3%, as God will have it the loan was approved easily without stress on 5th of January and all preparations where made concerning the loan transfer and in less than two (2) working days the loan was transferred into the bank account details i provided. I want to use this medium to reach out to where one out there in need of a loaneither individual or company loan to contact him via:(AGILEINVESTMENTSLIMITED@OUTLOOK.COM) This is the only way i can show how grateful i am by testifying of his good deeds in my life I pray that God will bless him.Thanks Mendal Lucy

    ReplyDelete
  89. TRUSTED LENDER (LEXIELOANCOMPANY@YAHOO.COM)
    My name is Michael Lee a citizen of Illinois, USA. i have been scammed by 7 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 23930USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called MARTINEZ LEXIE LOAN COMPANY where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 7 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest surprise my loan was granted to me without further delay and here i am today happy because Martinez Lexie Loan Company HAS GIVEN ME A REASON TO LIVE, so i made a vow to my self that i will keep testifying on the internet on how i got my loan. You are to contact this GODSENT LENDER via Email: Lexieloancompany@yahoo.com OR Text +18168926958

    ReplyDelete
  90. Affordable Loan Offer ( PergoCF@cheerful.com )
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  91. Affordable Loan Offer ( PergoCF@cheerful.com )
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  92. Am here to testify how Mr Martins helped me with the blank ATM CARD to become a millionaire . He is a wonderful hacker which i mailed about the BLANK ATM CARD . I was in financially difficulties till i got these card delivered to me after paying for it . The card was shipped to me in 24 hrs and i have withdraw $400,000 already, $4,000-$20,000 daily. Now i have my financial freedom , you can also be rich by contacting him via email . These is the most easiest way to become a millionaire in few days. Here is the email if you truly need ONE of this card. (martinshackers22@gmail.com martinshackers22@gmail.com).... 100% REAL.

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  93. FUNDING CIRCLE INC(Fundingcircleplc@yahoo.com)

    Hello am Nathan Davidson a businessman who was able to revive his dying business through the help of a Godsent lender known as Jason Raymond the CEO of FUNDING CIRCLE INC. Am resident at 1542 Main St, Buffalo, NY.. Well are you trying to start a business, settle your debt, expand your existing one, need money to purchase supplies. Have you been having problem trying to secure a Good Credit Facility, I want you to know that FUNDING CIRCLE INC. is the right place for you to resolve all your financial problem because am a living testimony and i can't just keep this to myself when others are looking for a way to be financially lifted.. I want you all to contact this Godsent lender using the details as stated in other to be a partaker of this great opportunity Email: Fundingcircleplc@yahoo.com OR Call/Text +14067326622


    ReplyDelete
  94. VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@gmail.com OR +1(215)-874-8060

    Helen Truong is my name from 1731 Hilltop Haven Drive, Red Bank, NJ 07701 USA. It lifts my heart to actually use this medium to save innocent people who would have fallen into the wrong hands in quest to obtain an online loan. With all humility I want to personally warn all online loan seekers to be very careful while trying to get a loan, because it is no news that scammers are rampant everywhere all over the internet claiming to offer loan. I was a victim before now and I solemnly hope that you are a victor if you care to take my word of advise. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. All hope was nearly lost until a co-employee suggested 'JOSH LOANS FINANCIAL SERVICE' an online reliable and trustworthy lender for me, as I was almost at the edge of taking my life considering a loss of about $83,000; As God would have it, I applied for a loan from 'Josh Loans Financial Service' under Cynthia's (co-employee) recommendation and WOW in less than 72 working hours I got a credit alert confirming that my account has been credited with the loan fund of $220,000.00 which i originally requested. If after loosing much God has shown me light with the help of 'JOSH LOANS FINANCIAL SERVICE', you too without doubt can as well obtain a loan from this reputable lending institution. IN ALL, if you, your relation or any closed person desperately need a loan, DO CONTACT or help that soul to communicate with JOSH LOANS FINANCIAL SERVICE via email on joshloancompany@gmail.com OR text/call them on +1(215)-874-8060; or preferably fill the loan application on their auxiliary webpage on http://www.joshloancompany.bravesites.com/

    ReplyDelete
  95. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
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    Email: inquiry.dcifinancial@gmail.com

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  96. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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  97. Affordable Loan Offer ( PergoCF@cheerful.com )
    Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile, Interested Applicants Should Contact Us Via Email: PergoCF@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.com
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  98. Affordable Loan Offer ( PergoCF@cheerful.com )
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  99. Testimony on how i got my LOAN.....(Brianloancompany@yahoo.com)

    Hello Everyone, I'm Harvey Lee a resident/citizen of the United States of America.I am 52 years of age an entrepreneur/businessman. I once had difficulties in financing my project/business.If not for a good friend of mine who introduced me to Mr Chester Brian to get a loan worth $250,000 USD from his company. When i contacted them it took just 48 hours to get my loan approved and transfer to my account after meeting all their modalities i to their loan agreement/terms and conditions. Even if you have bad credit they still offer there service to you. They also offer all kinds of loan such as Business loan,Home loan,Personal loan,Car loan,Loan for Business start up and Business Expansion. i don't know how to thank them for what they have done for me but God will reward Mr Chester Brian mightily.If you need an urgent financial assistance you can contact them today via this email (Brianloancompany@yahoo.com) or text +1(803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

    ReplyDelete
  100. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from Top AA Rated bank such as HSBC Bank Plc, Deutsche Bank AG Frankfurt, Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    TRANSACTION DESCRIPTION:
    1. Instrument: Bank Guarantee (BG) or Standby Letter of Credit (SBLC)
    2. Total Face Value: Euro/USD 1,000,000.00 – Euro/USD 5,000,000,000.00
    3. Issuing Bank: HSBC Bank London, Barclays Bank London, Deutsche Bank AG Frankfurt etc.
    4. Age: One Year and One Day (With the option of Rolls and Extension)
    5. Leasing Fee: 4% + 1%
    6. Purchsing Fee: 32% + 2%
    7. Delivery: Bank to Bank Swift MT799/MT760
    8. Payment: MT103
    9. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.


    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.


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    All inquires to Mr Danzmann Horst should include the face value and bank instrument information needed so I can quickly address your needs:

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    Contact: Danzmann Horst
    Email: horstdanz@outlook.com
    Skype: Danzmann Horst

    ReplyDelete
  101. FINANCIAL RESTORATION: fundingloanplc@yahoo.com

    Hello am Nathan Davidson a businessman who was able to revive his dying business through the help of a Godsent lender known as Jason Raymond the CEO of FUNDING CIRCLE INC. Am resident at 1542 Main St, Buffalo, NY.. Well are you trying to start a business, settle your debt, expand your existing one, need money to purchase supplies. Have you been having problem trying to secure a Good Credit Facility, I want you to know that FUNDING CIRCLE INC. is the right place for you to resolve all your financial problem because am a living testimony and i can't just keep this to myself when others are looking for a way to be financially lifted.. I want you all to contact this Godsent lender using the details as stated in other to be a partaker of this great opportunity Email: fundingloanplc@yahoo.com OR Call/Text +14067326622


    ReplyDelete
  102. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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  103. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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    ReplyDelete
  104. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    ReplyDelete
  105. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

    We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)


    Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. we offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)


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    ReplyDelete

  106. We offer fresh cut bank instrument for lease, such as BG, SBLC,Lease and Purchase Instruments can be obtained at minimal expense to the borrower compared to other banking options. This offer is opened to both individuals and corporate bodies.

    DESCRIPTION OF INSTRUMENTS

    1. Instrument: Funds backed Bank Guarantee(BG) ICC-600
    2. Currency : USD/EURO
    3. Age of Issue: Fresh Cut
    4. Term: One year and One day
    5. Contract Amount: United State Dollars/Euros (Buyers Face Value)
    6. Price : Buy:32%+1, Lease: 4%+2
    7. Subsequent tranches: To be mutually agreed between both parties
    8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c
    9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760
    10. Payment Term: MT799 & Settlement via MT103
    11. Hard Copy: By Bank Bonded Courier


    Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request

    Name:Ardan Clooney
    Email:brandfinance33@gmail.com

    ReplyDelete
  107. We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 1%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Ciaran Sheridan
    E-mail : ciaransheridan453@gmail.com
    Skype id : ciaransheridan453@gmail.com

    ReplyDelete
  108. WE OFFER ALL KIND OF LOANS Email: fundingloanplc@yahoo.com

    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

    **Are you financially squeezed?
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    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans, student loans at a very low interest rate of 2%.. To apply for a loan, do contact us using the details as stated and be free of scams, Email: fundingloanplc@yahoo.com OR Call/Text 14067326622

    ReplyDelete
  109. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+1%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+1%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
    renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

    Contact: Name: WARREN GARY

    Email: inquiry.barkerfinancial@gmail.com

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  110. IT WORKED FOR ME AND YOU CANNOT BE ANY DIFFERENT WITH THIS GREAT/REPUTABLE COMPANY (starloansfirm@gmail.com Or +1-(770)-917-2656

    Greetings to everyone in this forum, my name is Richard Venezia resident at 3485 Beech Street Santa Rosa, CA 95407, I had health issues/complications and due to this reason I was advised by my doctor to always move with a vehicle in order to avoid total loss of strength as my place of work was remote from where I reside, I told my husband about my plans to get a loan since there was no other means so I could get a good car of my choice but my husband instructed and advised that I shouldn't obtain an loan online because almost all so-called lenders online are fake and fraudulent in their actions so I had to suffer the stress of not moving on a car for some months andpoint but still I was advised by my siblings to apply for a bank loan instead of anonline loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because I was having abad credit score/report so with all this issues I had to get my mind crossed by applying for a loan online although i won't say that i was so perfect or very careful not to be a victim. I strongly believe that it was the lords mercy of God that directed me to STAR LOANS COMPANY. The great news is that I got my loan funds very fast and easy. Trust!!! the news came to everyone who discouraged me from this online loan issue and the most surprising of all was that I was granted this loan funds at an affordable interest rate of 2%... I am grateful for this car and medical loan and I am also grateful to the STAR LOANS COMPANY for their transparency and total support. To you whom is reading this review of mine and might probably be in a similar situation of needing a loan, you can contact them on starloansfirm@gmail.com or text +1-(770)-917-2656

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  111. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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  112. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    Kindly write us back with the loan information;
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    - Loan amount needed:
    - Loan Duration:
    - Purpose of loan:
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    - How Did You Hear About Us:

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    Yours Sincerely,
    Mrs. Ceren Kelly
    PergoCF@gmail.com
    PergoCF@qualityservice.com
    PergoCF@cheerful.com

    We look forward to hear from you ASAP

    Interested applicants should Contact us via email: PergoCF@cheerful.com

    ReplyDelete
  113. IT WORKED FOR ME AND YOU CANNOT BE ANY DIFFERENT WITH THIS GREAT/REPUTABLE COMPANY (starloansfirm@gmail.com Or +1-(770)-917-2656

    Greetings to everyone in this forum, my name is Richard Venezia resident at 3485 Beech Street Santa Rosa, CA 95407, I had health issues/complications and due to this reason I was advised by my doctor to always move with a vehicle in order to avoid total loss of strength as my place of work was remote from where I reside, I told my husband about my plans to get a loan since there was no other means so I could get a good car of my choice but my husband instructed and advised that I shouldn't obtain an loan online because almost all so-called lenders online are fake and fraudulent in their actions so I had to suffer the stress of not moving on a car for some months andpoint but still I was advised by my siblings to apply for a bank loan instead of anonline loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because I was having abad credit score/report so with all this issues I had to get my mind crossed by applying for a loan online although i won't say that i was so perfect or very careful not to be a victim. I strongly believe that it was the lords mercy of God that directed me to STAR LOANS COMPANY. The great news is that I got my loan funds very fast and easy. Trust!!! the news came to everyone who discouraged me from this online loan issue and the most surprising of all was that I was granted this loan funds at an affordable interest rate of 2%... I am grateful for this car and medical loan and I am also grateful to the STAR LOANS COMPANY for their transparency and total support. To you whom is reading this review of mine and might probably be in a similar situation of needing a loan, you can contact them on starloansfirm@gmail.com or text +1-(770)-917-2656

    ReplyDelete
  114. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

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