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[FONT=""][COLOR=""][SIZE=""]Xrfe Finish Line Shows How Warehousing Goes Wrong
Theyre reopening – but theyre dead. Or theyre fading. Or theyre awaiting a renaissance. The characterization of the future of the American mall cuts across many opinions and datasets, but the fact remains that in many cases, it is a fixture of brick-and-mortar retail.As the department stores that once profitably anchored them are now declining, malls need a reality che عفوا ,,, لايمكنك مشاهده الروابط لانك غير مسجل لدينا [ للتسجيل اضغط هنا ] ck. They are subject to many misperceptions that could be an obstacle to their speedy and successful recovery.The most important misperception to consider is the complete death of the mall. Under a generic lens, it might be true, because the mall as consumers once knew it may cease to exist. But under a more specific analysis, malls dont stand up to a one-size-fits-all treatment.There are three tiers of malls: A, B and C malls. A malls were successful before the crisis, and will eventually b عفوا ,,, لايمكنك مشاهده الروابط لانك غير مسجل لدينا [ للتسجيل اضغط هنا ] uild on that success and the capital of their owners, like Simon Properties, to recover. In fact, pre-crisis, Simon had invested $1 billion per year since 2012 on recasting its top malls as destinations, building office space and hotels into the mix as anchor tenants. Pre-crisis, there was a gap between the high- and low-end malls. While vacancies at top malls have remained tight at 2.7 percent, the bottom rung of malls are struggling with an average vacancy rate of 7.9 percent as of the first three months of 2020, according to Kevin C عفوا ,,, لايمكنك مشاهده الروابط لانك غير مسجل لدينا [ للتسجيل اضغط هنا ] ody, senior consultant at CoStar Portfolio.Even the most profitable malls, however, will n Enbq Fed Surveys Find Lasting Appeal for Faster, Digital Transactions
The Securities and Exchange Commission is considering new regul عفوا ,,, لايمكنك مشاهده الروابط لانك غير مسجل لدينا [ للتسجيل اضغط هنا ] ations that alternative lenders say would curb their ability to lend to small businesses.Reports by Bloomberg on Wednesday Oct. 26 said the SEC is exploring whether to adopt new rules that aim to safeguard the alternative and shadow banking sector and protect borrowers. According to reports, the SEC is concerned that the influx in funds borrowed via these alternative financ عفوا ,,, لايمكنك مشاهده الروابط لانك غير مسجل لدينا [ للتسجيل اضغط هنا ] e sources could lead to financial trouble down the line for small businesses, upon which the nation economic health is so dependent.The SEC proposed عفوا ,,, لايمكنك مشاهده الروابط لانك غير مسجل لدينا [ للتسجيل اضغط هنا ] rule, first put forth last year, would require business development companies BDCs , like alternative lenders, to use the total value of revolving credit lines offered to their SME borrowers when calculating indebtedness — and not only the amount those borrowers have actually used from their credit lines.It would require these lenders to maintain high capital levels to safeguard against potential losses, meaning less cash can be used to finance small business loans, reports explained.The Small Business Investor Alliance SBIA argued that the rules would lead to higher costs for borrowers and smaller financing facilities. Another industry stakeholder, Hercules Capital, similarly spoke out against the proposals.If the SEC applied the rule as has been interpreted, there are dire consequences for the BDC industry, said Hercules Capital Head Manuel Henriquez. Ther[/SIZE][/COLOR][/FONT]