Joe Waites

FEB 3, 2010 3:23pm ET

Viewpoint: Why Lenders Can't Do Workouts

While regional and national banks with large portfolios have workout departments that take over distressed commercial loans, community banks do not.

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Facebook's securities filings show its Facebook Credits digital currency business is exploding. Does it pose a serious threat to banks?

Yes. Facebook Credits threatens to cut off banks from transactions and customer data.

12%

No. A system the enables users to pay for online games and page upgrades is a harmless niche.

32%

Maybe. It depends on whether Facebook makes an aggressive move into ecommerce.

56%

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