Bankers are a group of expert lenders who lend on sensible and conservative basis to get a good return and experience few losses. But, as the cycle proceeds banks may become more and more reckless and go to lower level of borrower, then there would be a feeding frenzy which will lead to disaster. My advice as lender is learn to say no. We rent money, we lend it for a certain period of time. I think we are heading toward a time of opportunity as independnet filmmakers as long as you can differentiate between quality and not.
Quality is still key.
Trends I notice are that indie distributors are making their companies stronger by teaming up with producing partners. There is a renewal, there is a resurgence in markets of indigenous product - i.e. made for little money low brow comedies are doing well in France and Germany, and finally studios in this country are reducing the amount of product they are producing. In U.S. it's a 52 week business. In other countries theaters are closed at certain times, holidays, etc. Future in each major territory there'll be two to three strong indie distributors.