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San Francisco Regional Outlook - Second Quarter 1997


Camera-ready art of "Regional Outlook" (997Kb PDF file - PDF help or hard copy)

FDIC San Francisco Region, Division of Insurance
In Focus This Quarter
  • Will Credit Scoring Transform the Market for Small- Business Lending? - In an effort to reduce the cost of small-business lending, some institutions are using credit scoring technology to reduce underwriting costs and to grow their small-business lending portfolios, in some cases venturing into markets well beyond their local economies.  The ramifications could be significant.  An overreliance on credit scoring models could expose lenders to increased credit risks.  Over time, the traditional niche enjoyed by small banks in small- business lending could come under considerable pressure.

  • Banking on the Internet:  New Technologies, New Opportunities, New Risks - Internet banking promises a wide range of new benefits.  It also offers a host of new problems and some new twists on old ones.  The tradeoff is one that depository institutions and regulators alike must grapple with as they stake out their positions in cyberspace.


  • Regular Features
    Regional Economy Financial Markets Regional Banking
  • Economic Overview
  • Service Sector
  • Manufacturing Sector
  • Construction Growth
  • Economic Softening
           Hawaii
           Alaska
           Montana
           Wyoming
  • Asset-Backed Securities
  • Bond Values
  • Price/Earnings Ratios
  • Overall Conditions
  • Commercial Real Estate
  • Merger Activity
  • Thrift Recovery

  • A Publication of the Division of Insurance

    Regional Outlook Information


    Last Updated 7/27/1999 insurance-research@fdic.gov