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The German automaker is retooling 16 factories to build electric vehicles and plans to start producing 33 different electric cars under the Skoda, Audi, VW and Seat brands by mid 2023. “We are considering an investment in a battery manufacturer in order to reinforce our electrification offensive and build up the necessary know-how,” Volkswagen said. SKI is building a battery cell manufacturing plant in the United States to supply Volkswagen’s plant in Chattanooga, Tennessee. SKI will supply lithium-ion battery cells for an electric car that Volkswagen plans to start making in Chattanooga in 2022.

SHANGHAI (Reuters) - Volkswagen expects global sales of its core brand this year to be in line with the 6.24 million level that it achieved in 2018 even though China sales dipped in the first-quarter, the company said on Monday, “We expect sales in half moons rose gold mother of pearl cufflinks the Chinese market to be on the same level as last year, Worldwide we expect sales to be in line and are optimistic that we can even post some growth,” Juergen Stackmann, the VW brand’s board member responsible for sales, told journalists on the sidelines of the Shanghai Autoshow..

NEW YORK (Reuters) - U.S. online lenders such as LendingClub Corp, Kabbage Inc and Avant LLC are scrutinizing loan quality, securing long-term financing and cutting costs, as executives prepare for what they fear could be the sector’s first economic downturn. A recession could bring escalating credit losses, liquidity crunch and higher funding costs, testing business models in a relatively nascent industry. Peer-to-peer and other digital lenders sprouted up largely after the Great Recession of 2008. Unlike banks, which tend to have lower-cost and more stable deposits, online lenders rely on market funding that can be harder to come by in times of stress.

Their underwriting methods also often include analysis of non-traditional data, such as half moons rose gold mother of pearl cufflinks education level of borrowers, While platforms see that as a strength, it has yet to be tested in times of crisis, “This is very top of mind for us,” LendingClub Chief Executive Officer Scott Sanborn said in an interview, referring to the possibility of a recession, “It’s not a question of ‘if,’ it’s ‘when,’ and it’s not five years away.”, Sanborn and executives at some half a dozen other online lenders who spoke to Reuters said worsening economic indicators and forecasts have made them more cautious..

Their worries are the latest sign that fears a U.S. downturn is nigh are growing. Economists polled by Reuters in March saw a 25 percent chance of U.S. recession over the next 12 months. More recently, some executives said, a Federal Reserve decision to halt interest rate hikes reinforced those fears. “We were seeing economists bringing up some warning signs, and we were following the Fed signals and that they were becoming more dovish,” said Bhanu Arora, the head of consumer lending at the Chicago-based lender Avant. “We wanted to be prepared and ready.”.

To position itself better for recession, Avant came up with a plan late last year that includes tightening credit half moons rose gold mother of pearl cufflinks requirements for segments it identified as higher risk, Arora said, To be sure, the executives said they are not yet seeing glaring signs of trouble in their loan books, A downturn is also far from certain, On Friday, JPMorgan Chase & Co, the country’s largest bank by assets, eased fears of a recession after it posted better-than-expected quarterly profits driven by what it described as solid U.S, economic growth..

If a downturn hits, however, it would separate the stronger online lenders from the weaker ones. “All these different platforms say they can underwrite in unique ways,” said Robert Wildhack, an analyst at Autonomous Research. “This will be the first chance we have to see who is right and who might have been taking shortcuts.”. In February, LendingClub, one of the pioneers of peer-to-peer lending, offered growth projections for 2019 that fell short of Wall Street expectations, partly a sign of growing caution. LendingClub does not provide loans directly to consumers but earns fees by connecting borrowers and investors on its online marketplace.

Sanborn said the company has gotten more stringent about credit standards for borrowers on its platform and is attracting investors with broader risk appetites in case the more cautious participants pull back, It is also outsourcing more of its back-office operations and relocating some staff to Utah from San Francisco to reduce expenses, he said, SoFI, an online lender that refinances student loans and then securitizes them, has been focusing on making its half moons rose gold mother of pearl cufflinks portfolio more profitable, even if that may mean lower origination volumes, CEO Anthony Noto told reporters in late-February..

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