Emerging market lending would once again get hit.

A second possibility is that banks worry about having enough resources to meet their own creditors demands if they lock up funds in long term loans. But the many central bank lending facilities that have been opened around the world should assuage these concerns, especially for large and well capitalized banks.

Banks would scale down their balance sheets in proportion to their reported equity losses and exacerbate the credit crunch from which the world is already suffering today.

Meanwhile, the World Bank received an increase of 30 , while its lending arm for the poorest countries, the International Development Association, received an increase of only 18 .

Bad banks that are constructed generously enough to provide banks with hidden equity injections are one way to avoid or mitigate the credit crunch.

But it would be a terrible mistake simply to super size the IMF in its current guise by greatly scaling up its lending facilities, as many propose.

Perhaps the country lending activities of the World Bank should be almost completely eliminated, with the private sector, and the regional development banks such as the Asian Development Bank and Inter American Development Bank, picking up the slack.

Positive developments include the expansion and adaptation of new IMF lending facilities for crisis prevention and management, as well as an increase in the IMF's total resources.

Mass production favors the growth of mega banks, so, unlike the misjudgments of lending officers, these behemoths defective models have had disastrous consequences.

It is an open secret that some online finance service platforms are asking female debtors to give them nude photos in exchange for a loan, or to extend the deadline of debt payment.

Just a short time ago, the IMF seemed relegated to a sustained period of irrelevance as it failed to modernize either its euro centric political representation or its arcane government to government lending facilities.

Perhaps the biggest challenges facing China are raising real returns on financial liabilities (deposits and wealth management products) and promoting more balanced lending.

Moreover, the higher the gap between official interest rates and the higher rates on mortgage lending as a result of macro prudential restrictions, the more room there is for regulatory arbitrage.

When credit decisions, public procurement, construction contracts, and price determination reflect only short term and purely political goals, good economic performance becomes impossible even in countries with large natural resource endowments.

Some argue that furnishing members with rapid and front loaded liquidity insurance would encourage irresponsible policies or reckless borrowing. Admittedly, it could help members cope better with volatility and, therefore, be more open to inflows of short tern capital, but this need not result in bad policies.

But access to cheap credit from state controlled banks creates an incentive for SOEs to generate surplus capacity, which increases systemic risk in the economy.

Once the crisis erupted and Greece lost access to new private lending, the troika (the IMF, the ECB, and the European Commission) provided massively subsidized long term financing.

Some argue that furnishing members with rapid and front loaded liquidity insurance would encourage irresponsible policies or reckless borrowing.

With its penchant for constant experimentation and improvement, one might even hope that China will draw lessons and apply them to all of its developing country lending.

Emerging market lending would once again get hit.

In contrast to lending activities, banks commitment to foreign markets has remained virtually unaffected with respect to purely intermediary activities such as investment banking and asset management.

Simply put, more liquidity will not lead to more active bank lending until there is more transparency regarding the extent of non performing loans and the relevant economies have become more flexible.

But anyone who is even vaguely familiar with the US approach to multilateral lending knows that no other country has been as adept at exploiting its power and leverage for strategic gain.

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