The latter may be impaired by a combination of unwarranted stigma due to the fall-out form the US subprime crisis, by stringent regulatory requirements and by a range of structural and practical factors. These have to be addressed primarily outside the realm of monetary policy, even if the latter could potentially perform a catalytical role in some circumstances.
They need to understand that for their business to survive, their customers must  BIS central bankers’ speeches  3  survive and for that, they need to understand the appropriateness of the products themselves to be able to explain it to their customers.