*Geithner - Demand for credit is falling as businesses repair balance sheets

*Geithner - Important for financial institutions to take advantage of better markets

*NZ dollar rises to 9-day high of 0.6117 against US dollar

*Geithner - $25 billion in TARP payback is lower than many private analysts expect

*Geithner - With help of lending from fed, new security issuance has started to revive