We talk a lot about how fast prices are going up, but maybe what really matters is how fast

wages are going up.

From American public media, this is Marketplace.

In Washington, DC, I'm Kimberly Adams in Forkai, Rizdal.

It's Thursday, April 6th.

Good to have you with us.

It's been almost a month since the collapse of Silicon Valley Bank, and since then, much

of the federal government's response has focused on bank's liquidity, ensuring that other banks

have enough cash on hand if depositors want to withdraw their money.

But the crisis also has the industry concerned about the other side of a bank's balance sheet,

loans.

Marketplace's Justin Ho reports that were starting to see some signs, banks are pulling back

on lending.

Late last month, the Federal Reserve Bank of Dallas surveyed 71 banks in its district,

and it found that loan volume fell for consumer loans, mortgages, and commercial real estate

loans.

I do think that it is a sign of the beginning of tightening credit standards.

That's Myra Rodriguez-Vayadara, at MRV Associates.

She says some banks are thinking twice about lending out money since bank deposits have

been falling.

It's just making all banks nervous about their own liquidity, meaning they're ability

to meet all obligations when they come due, including depositors wanting to withdraw money.

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