Browsing by Subject "consumer credit"

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  • Bank of Finland (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’ repayment ability and are able to address the rise of household indebtedness as a whole. Nordea's redomiciliation has increased the size and structural vulnerability of the Finnish banking sector. Italy's budget crisis and Brexit proceedings have contributed to uncertainty in Europe. Cyber risks and climate change pose yet further challenges for financial stability.
  • Aaltonen, Markus; Koskinen, Kimmo (2019)
    Bank of Finland. Bulletin 2/2019
    Consumer credit to households keeps increasing, and roughly one in four Finns held consumer credit in 2019 (Finance Finland).
  • Koskinen, Kimmo; Tuomikoski, Olli (2017)
    Bank of Finland. Bulletin 2/2017
    Finnish household debt accumulation is also rapidly increasing via consumer credit. The majority of these loans are still from credit institutions, but there is a growing number of channels for credit provision. Lending has grown both via foreign providers of credit operating online and through peer-to-peer lending services, and household debt accumulation from these sources is difficult to monitor.