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Odd Lots · July 15, 2024 · 46m

The Private Credit Boom and What Could Go Wrong

The hosts explore the explosive growth of private credit — now a $1.7 trillion market — and why banks are losing lending business to private credit funds. The key risk: these loans don't trade on exchanges, so no one really knows what they're worth until they default.

This summary was generated from show notes and public descriptions, not from a full transcript review. Details may contain inaccuracies.

Canon

Alloway argues that after each financial crisis, regulations reduce risk in the old system, but market participants adapt to the new rules and recreate equivalent risk in a less-regulated space — a financial hedonic treadmill.

Highlights

Private credit is the shadow banking system's newest iteration — same risks, different label
Weisenthal argues that private credit (where funds lend directly to companies instead of banks) is just the latest version of shadow banking: lending happens outside regulated institutions, risk is opaque, and liquidity is an illusion until it's tested.
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