That said, the lessons drawn from the financial turmoil also point to certain aspects of the framework that need to be revisited, such as the treatment of exposures to structured finance products and to offbalance-sheet vehicles. The financial industry retains a primary responsibility and has strong incentives to promote the smooth functioning of the financial system.
Although their employment has been progressing, there remains considerable room for improvement, as there are gaps between what they can accomplish through their ability and will, and what they actually are assigned to do. The fourth is employment of foreigners. Although their employment has been increasing gradually, it is still vital to further develop systems to accept them.