WASHINGTON (Reuters) - Banks in the United States kept tightening lending standards and terms for both business and consumer loans over the past three months out of concern about a weakening economic outlook, according to a Federal Reserve survey issued on Monday. ADVERTISEMENTThe April survey of senior loan officers at 56 domestic banks and 21 U.S. branches and agencies of foreign banks also underlined that demand for loans from businesses and consumers was weaker -- though not as markedly as in January."Substantial majorities of domestic and foreign respondents pointed to a less favorable or more uncertain economic outlook and to a worsening of industry-specific problems as reasons for tightening their lending standards on C&I (commercial and industrial) loans over the past three months," the Fed said.Harm Bandholz, an economist with UniCredit Markets, said the Fed findings implied that a broad-based credit crisis "has spilled over to the real economy and will continue to weigh on investment and consumer spending for some time."That will be accentuated by declining job opportunities, Bandholz suggested. 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