Unlike these counterparts, the Bank of Japan has been continuously executing on-site examination and off-site monitoring over a wide range of individual financial institutions, including securities firms. The Bank of Japan’s on-site examination makes a thorough and comprehensive assessment of the risks of each financial institution, and strongly encourages the institution to take the necessary action to reduce them, where appropriate.
For some, extremely low interest rates are making financial planning into retirement simply impossible. When individual investors talk about a “topsy-turvy world", they are not just talking about their interest income; they are talking about fundamental questions of orientation and about the fear of a potential lack of funds in their old age.