Bankers

I understand that  our banks are to be given a lot more money.

Stock markets have risen in response - especially the banks.  Great

But will this encourage banks to lend?
They will of course still require the  interest and capital to be repaid.
They will also want some security.

Businesses generating cash and with acceptable assets for security will be unlikely to be turned down by the banks.... but maybe they don't want or need to borrow.

Even if the banks are themselves short of cash - and under-stating their exposure to unsecured debt  there seems little sense in giving them more cash to lend without changing their lending criteria.... but do we want our banks to increase risky lending?  I don't think so.

It might be better to give every UK household a few grand with instructions to pay down any debt they may have or otherwise spend it as they pleased.

This wold reduce banks' exposure to over valued property loans and boost consumer spending

20,000,000 UK households times £5,000 = £100,000,000,000. 
It's not a lot more than bailing out our banks