NakedPuts00

I work for a top 50 US commercial bank by assets. Commercial loans finally have ticked up this year, but not much. It is more of an issue of qualified customers wanting loans. We are a conservative bank (largest bank to not take TARP funds) and our lending standards are more or less the same as before the crisis. The problem is quality customers who survived the crisis have no need for new debt right. The have cash and unused facilities and sales have only started to increase again. No need for new term loans. Banks are not withholding credit from customers, customers don't need credit.