Bank of Finland articles on the economy
Bank of Finland Bulletin 3/2019 - Economic forecast for the Finnish economy
Published 11 Jun 2019
pdf, 215 kB
Bank of Finland Bulletin 2/2019 - Financial stability
Published 9 May 2019
pdf, 1.11 MB
Rising household debt levels must be addressed in time9 May 2019, Bank of Finland Bulletin 2/2019
Finnish households have a worrying level of debt. Advance measures should be taken to prevent the accumulation of excessive debt.
European Central Bank strengthens monetary policy accommodation – ECB monetary policy strategy needs to be reviewed15 Mar 2019, Bank of Finland Bulletin 1/2019
A review of the ECB’s monetary policy strategy is due in light of the latest economic research and the changed operating environment.
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Regulatory reforms and macroprudential measures have improved the risk resilience of the bank-centred EU financial system. Work has also begun on targeting stability risks building up beyond the banking system.
Finnish household debt is rapidly increasing also via consumer credit. Loans taken out from these new sources is difficult to monitor.
Investors’ optimism on the financial markets can rapidly turn to risk aversion if global economic or political uncertainty increases.
Households in both Finland and Sweden are carrying a record level of debt relative to their income.
The Finnish, Swedish, Norwegian and Danish banking sectors are large and concentrated and there are systemic risks relating to lending for the residential and commercial real estate markets.
Growing household debt and the changing structure of the banking system are increasing the vulnerability of the financial system.
It is important to ensure that payment transfers and card payments also operate when data connections with other countries are down.
The three key trends in payments are fragmentation of the market, payments going real time and the actual act of payment fading into the background.
Structural changes in the banking sector may have an impact on risk spillovers between the Nordic countries.
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