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Bank of Finland Bulletin : Bank of Finland articles on the economy 2/2018
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
Rising household debt poses risk to the economy
(16.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The primary purpose of the macroprudential measures that restrict lending for house purchase is to reduce the economy’s exposure to risks stemming from high household indebtedness. These risks are realised when indebted ...
The Finnish real estate investment market
(24.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The Finnish real estate investment market has been exceptionally active in recent years. Sales volumes and market size have grown fast. By international comparison, the Finnish market is large in proportion to the size of ...
Digitalisation poses new security challenges for payment systems
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
Reliable payment and settlement systems are basic requirements for maintaining financial stability and fostering economic activity. The smooth functioning of society would quickly become disrupted if businesses and households ...
Financial Stability Assessment : Debt risks amplified by housing company loans
(18.12.2018)
Bank of Finland. Bulletin 5/2018
Bank of Finland. Bulletin 5/2018
Housing company loans and consumer credit add to high and rising levels of household indebtedness. The macroprudential toolkit needs to be replenished with borrower-based instruments that take into account loan applicants’ ...
Expansionary economic policy boosts growth
(27.04.2018)
Bank of Finland. Bulletin 1/2018
Bank of Finland. Bulletin 1/2018
The growth outlook for the global economy is strong. Growth is supported by a synchronized expansion in several key economic regions, accommodative monetary policy, and fiscal stimulus in the United States. China continues ...
Lowering the loan cap will reduce the risks associated with debt
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
A macroprudential decision taken by the Financial Supervisory Authority's Board in early spring to tighten the maximum loan-to-collateral (LTC) ratio for housing loans will bolster the stability of the Finnish financial ...
Systemic risk buffer protecting the banking sector under difficult conditions
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The systemic risk buffer became available in Finland from the beginning of 2018. The systemic risk buffer is an additional capital requirement that may be imposed on credit institutions on the basis of the financial system's ...
How has the feedback loop between banks and sovereigns changed since the crisis years?
(27.04.2018)
Bank of Finland. Bulletin 1/2018
Bank of Finland. Bulletin 1/2018
One aim of Banking Union is to weaken the feedback loop between banks and their sovereigns so that increases in banks’ credit risk would no longer be reflected in sovereign credit risk and, conversely, banks’ financing ...
Progress in work to complete Banking Union
(24.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The EU's Banking Union is operational but not yet completed. The common European Deposit Insurance Scheme (EDIS) is the key missing component. To reinforce Banking Union and promote the EDIS it is important to decrease ...