Show ADJUSTING TO CHANGING NEEDS by ROBERT V FLEMING vice Pies idea ai at e cm cas bankers 1 Is social 0 i B ze that changing cone cone eions require new methods of long lo 10 ng b iciness however it Is 1 their responsibility to retain those es and sound financial pies upon wl w ich tins this country was founded and has grown to be what Is still the richest nat n a t on in the world many ot of our dit dlf f i u u s lave I 1 are arisen from lack of confidence and from mi sunder R V FLEMING standing there tore fore it behooves the banker to bend every effort to create a better public understanding of 0 sound banking and thereby bring about abou t that united effort and cooperative spirit which will 1 has ten the day ot of national recovery and restore to the banker the confidence ot of the public to which he Is entitled As an approach to the realization ot of this ideal bailers bani ers should carefully scrutinize every application lor for a loan to see it if it Is bankable and II 11 it Is not in bankable form orm then inake make tur fur ther examination to see it if the loan can be made so in order that the uses ot of credit play be stimulated Ex exola ning loan factors to customer customers we must not expect our customers to be bankers and understand all the tac fac tors which we must consider before granting a loan if we find that a loan is not and cannot be made bankable then I 1 thin we should take pains to explain to the applicant the reasons why it cannot be granted thre are other measures which I 1 think it important tor for the banker to undertake in order to eliminate the misunderstandings which have arisen and overcome the sentiment which exists under present conditions ons we have to operate under many laws and regulations and also watch what fur ther legislation is being proposed which affects our methods of operation and may not be in the best inhere t of the communities we serve nowadays it seems at times we vie must sit with a law book in one hand and a book or of regula eions in the other in order to make tain we are axe discharging our daily duties and functioning strictly in accordance with the law all of this is very try ing yet I 1 think in the end we shall be come b ater bankers 1 believe it is the duty of evely banke banks today to endeavor to under stand the public he serves in a I 1 llalon to his daily duties trying da ts they are he should participate in the activities of bis his community so that with the fund of available to him he may be as helpful is ts possible in all public and civic matters |