This is a very informative video, of 18:55 minutes and well worth listening to, not least the latter portion about regulation and small business loans.

David Fuller's view

John Allison makes some good points in this video of his speech at the Cato Institute, relevant for all countries and their banks. His most important point: just raise the capital standards for banks to 20%. Thereafter, most of the bureaucratic and misguided regulation becomes redundant, and its well worth hearing why it does not work.