This is the 2nd of two articles that present the findings of a survey I had conducted, to ascertain the mood of SME bankers, their reading of the current situation, prognosis for the short term, their fears and concerns. What emerged clearly was that a pall of gloom has descended upon lenders, brought on by a severe crisis of faith in their clients. Bankers responded rather vehemently, as to just how much they mistrusted audited numbers, business models and indeed businessme