By Harry Terris

FEB 3, 2010 11:27am ET

Benchmarking the Loan Pullback

The continuing collapse in bank lending has been of a piece with the severity of the Great Recession, but it has relatively recent precedent.

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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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