Loan policies have come a long way since the go-go 1980s, when "quit your moanin' - get out loanin'" was the order of the day for lending officers.

For the 1990s, the theme is "back to basics." Gone are the days when a bank officer could court the borrower at a nightclub table, drawing up the loan on a napkin while the customer guzzled champagne out of his boot.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.