The reform of BANK’s business model

I think ministry Kamei'S policy 'Moratorium' may lead to give changing opportunity to Banks. Banks only gather and collect money and hesitate to loan to SME(small and medium sized Enterprise)because they fear to hurt their capital.So they have not had chance to have plenty communication with those SME's managers. This Moratorium may lead Banks to brush up their communication and consulting skills to keep their loan's quality ,not quantity.