One, the needs of the legitimate borrowers should be met fairly. This applies to small and medium enterprises, as there is a perception of inadequate flow to this segment and it is  2  BIS Review 12/2010  hurting the ability of these businesses to take advantage of the recovery. Two, it is important to play safe.
Here, in the context of segments such as real estate, banks should not jump on opportunities that appear very attractive in the short term, while compromising on prudence. We do not want to squeeze the recovery and deny the needs for financing, but we do not want them to go overboard in risk taking. That’s the balance we are expecting.