Here is a link to the Harvard Business Review - Spotlight On Reinvention - Wanted: A First National Bank of Innovation.
CBBIC.org agrees with almost all of this article with the exclusion that loans should be converted into Gap funding and we would add mentors who are real entrepreneurs. Otherwise the article is in perfect agreement with what we have been trying to say and do. Edmund S. Phelps and Leo M. Tilman just say it from a more academic point of view.