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Join Our Free Trial Now! First Known Use of belt-and-suspenders , in the meaning defined above. Learn More about belt-and-suspenders. Resources for belt-and-suspenders Time Traveler! Explore the year a word first appeared. Dictionary Entries near belt-and-suspenders belswagger belt belt ammunition belt-and-suspenders Beltane belt conveyor belt course.
Belt and suspenders is a term used to mean conservatism and safety in lending practices. Belt and suspenders has been used to describe cautious bankers who demand loan policies be very strictly adhered to. More generally — as the use of both a belt and suspenders to hold up one's pants implies — it can mean having redundant safety procedures in place to eliminate all risk.
The term can be complimentary, but it also can convey ridicule of the overly conservative. In response to the financial crisis , many banks took on a belt and suspenders approach to lending. Belt and suspenders means an approach to lending practices that is extremely conservative. At times, maybe overly so. After the financial crisis when credit was extremely tight, many banks took a belt and suspenders approach in respect to screening potential borrowers.
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