Bank of Japan Governor Masaaki Shirakawa and the policy board said they will accept a wider range of collateral to provide more funds to banks as part of an effort to encourage lending. "These measures might have some impact, but probably not enough," said Satoru Ogasawara, a foreign-exchange analyst and economist at Credit Suisse in Tokyo. "Financing conditions are tight. Without policy loosening by the bank, it could get worse." The central bank unanimously held its overnight lending rate at 0.1%.