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The economic crisis has driven many banks to reconsider how they function as they see less profit in the traditional financing model.

Most banks rely on loans of more than $1 million to be profitable, with a median loan size of $161,000. Small businesses borrow from these institutions in the millions, but based on the numbers, it’s a pretty safe bet that most of those loans aren’t coming from the mega-banks.

If banking for the mega-banks is anything like banking for the larger community banks, our country’s banks might need to reconsider how they do business.

The Crisis Has Stifled Business Growth

The credit crisis has severely dented consumer and business confidence, with businesses struggling to raise money as their financing costs have risen and consumers slow to spend. Only a strong economy could generate the positive consumer confidence required to drive the recovery.

With businesses trying to raise capital and consumers reluctant to spend, confidence in the economy has been dented. There’s a very real chance that the only way out of this low level of confidence is a major increase in consumer spending.

The Bush administration could help by working to stimulate spending. According to the Economic Policy Institute, the Bush administration could create 800,000 jobs per year if it invested heavily in infrastructure and support programs like energy efficiency. Such activity would lift consumer spending and drive a $1 trillion recovery.

Banks Are Well-prepared

Now that we know why we’re in a banking crisis, let’s look at how banks are reacting.

We’ve seen negative rates on savings accounts and credit cards. In fact, 22% of banks are offering negative rates to consumers. That’s a very common reaction among community banks since the federal money market funds and the municipal credit unions are backing up these institutions with liquidity as a means of protecting their profits.

Much of the growth in loans at community banks is being driven by the big 3 networks: CitiBank, Chase and Wells Fargo. The loans at community banks are being reclassified as commercial loans under the new Mortgage Choice Act and could triple or quadruple in size under this new lending scenario.

Banks Need to Re-Think Their Lending Model
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