10 The Bank has been making a wide variety of efforts including conducting on-site examinations and off-site monitoring of individual financial institutions, providing a wide range of information such as through the Financial System Report, and cooperating with relevant regulatory authorities in the development of financial regulations.
Capital income is of course more frequently found in the income of the top quintile than in the lower quintiles of the income distribution. A third factor that could influence the saving rate is that market-determined interest rates may rise from their low levels at present and thus may raise the incentive to save a bit.