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It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.

Evan Davis

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Evan Davis
Age: 62
Born: 1962
Born: April 8
Economist
Journalist
Television Presenter
Worcs
Wonder
Scale
Borrowing
Much
Operations
Lend
Capital
Borrow
Scales
Effectiveness
Cushion
Potential
Reducing
Cushions
Effect
Profitable
Regulated
Relation
Banks
Lending
Effects
Bank
Tempting

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At the BBC we've had plenty of women in good management jobs. It comes and goes but there's been plenty. On air, I think there's quite a bit more we can do.
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Being funny, it turns out, is like being a bank. It's a confidence trick. As long as everyone believes in you, you are fine.
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As it happens, I have personally been something of an enthusiast for the London Olympic games, mainly on the grounds a) that a bit of wasteland will be made nice and b) that it tends to make everybody happy that their country should be the centre of world attention for a couple of weeks in their life.
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Now I can broadcast to an audience of several million people on the 'Today' programme. I can talk about the day's news. But on radio, believe it or not, we have notes and scripts. And while we might ad lib the odd wryly amusing asides, they come at the frequency of a suburban bus. About one every 90 minutes.
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One of the key problems is that the Germans know what they do because everywhere they go there's a 'made in Germany' label on it - they can feel proud of Volkswagens and Audis and Mercedes.
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I don't want to sound like 'chirpy Evan' who's just bouncing around with his unrealistic views and doesn't understand what's going on.
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If you're not making some mistakes, it probably means you're not trying hard enough.
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I've never enjoyed sleep as much until I got the 'Today' job. There is something about early sleep that's much better than late sleep. I feel myself going to sleep I don't just plonk my head on the pillow. It's a sort of winding-down thing.
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Britain, however, has ended up specializing in the ones you don't see as much of: defense aerospace, making drive shafts for cars, pills and drugs, designing chips that go into 94 percent of the world's mobile phones.
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I actually profoundly think the world's a better place when economics is fairly boring... The more boring the better.
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For industry to settle in a country, you first need electricity for electricity, you need some trained workers for trained workers, you need some schools for schools you need some money for money, you need some industry.
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Interest rate cuts have an effect in stimulating an economy by directly or indirectly making someone, somewhere, spend more than they otherwise would. That extra spending increases demand and ensures that we all carry on with work to do, without us having to slash our prices or our wrists.
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I don't keep it secret that I live with my partner Gio. I'm very proud of my gayness. But there is lots I wouldn't want the press to write about me... it is a matter of regret that being gay is the most interesting thing about me.
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For years, we've grown dependant on American consumers as the world's spenders of last resort. They've kept Europe out of recession, allowed China to industrialise, and prevented global deflation. But at the same time, they've not been looking after their own futures.
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The new industries are brainy industries and so-called knowledge workers tend to like to be near other people who are the same. Think of the City of Hollywood. People cluster. This means you have winning regions, such as London and Cambridge, and losing regions. The people who want to be top lawyers in Sunderland are hoovered up by London.
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It's amazing, if you know what you want to say, how fast it is to write.
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Personally, I'd like us to have a few more women on the 'Today' programme.
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We Brits print banknotes out in Debden in Essex, and have contracted it out to the private sector. Here in the U.S. it is a government operation right in the heart of Washington next door to the Holocaust Museum.
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Crossrail is a prime example of infrastructure. It is a rather deadly word, but I think it is exciting stuff, the civil engineering which makes Britain tick - the bridges, tunnels, power and water networks, which bind us together.
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