growth rates, which can lead to an accumulation of risks if they’re not cool. When sales ops: complete guide to boosting sales team productivity consumer lending grows faster than nominal incomes for a long time, it can create such risks. High growth rates of consumer lending are another consequence of soft monetary policy. Rates are affordable, inflation expectations are high. And the desire to get into debt, but to buy something quickly before it gets more expensive, naturally, arises in people…
Or until the stakes rise even higher
– There is probably both. But this does not affect our confidence that this market nes to stabilize its growth rates.
We decid to return to pre-pandemic surcharges f
rom July 1, and this was not enough. Therefore, we immiately discuss the second set of measures, which will come into force on October 1. We expect some stabilization of growth rates from the October measures, but we the weariness of social networks will be ready, if necessary, to take another set of measures. The macroprudential measures that we have in our arsenal are risk weights depending on the debt burden and interest rate – this is a fairly good mechanism, but it is of limit effect. Especially when there is a capital reserve in the banking agb directory system, and there is – let some banks have more, others less. And further increase in macroprudential surcharges can simply lead to a ristribution of the unsecur loan portfolio. That is, the growth rate of unsecur consumer lending in the banking system as a whole may not decrease.