HI , this article sounds good , but there have to be better quality bonds in place and projects in place for which the apetite of the bankers could can be established .Apart from Govt. backed companies the co.s which are cash starved are Infrastructure companies. Banks are surely doing their due dilingence by not being bullish on lending. If they do lend to parties who don't have sound recievables in the near future , then Sub prime crisis would follow. What i believe is the bank should start lending small loans to retail consumers rather than going for bigger lending. The retail lending rates should be slashed.A cap of 1lakh according to the capacity of the individual can be kept. The EMI's will also not be big ,the customer will be willing to be in good books of bank and would repay the money. This will spurt the demand for white goods and other consumer goods and help bolstering the industrial demand and in turn will reinforce the demand for workforce. Thanks