One of the causes of the financial crisis was banks giving out loans too easily . Banks should make very cearful checks to diside if someone can afford the loan.For example, what is the loan for?How will it be repayed?What is the interest rate, has the person got other debts?But on the other hand, banks should give out loans because some people can pay them back and really need them. For example, a client with a good bisness plan could pay back the bank more money then they started off with. This, however, is quite high risk and the bank could end up loosing money. I think that banks should be giving less loans to keep the risks low of loosing money.