After allowing government debt relative to GDP to rise almost without interruption from 1975 to 1995, successive governments ran 10 years of surpluses, cutting the government debt-to-GDP ratio from almost 70 per cent in 1995 to 22 per cent in 2008 (Chart 4).
By bringing people to financial 4  system, we believe it will support financial stability. First, it will increase the resilience of financial system through the increase of financial buffer from the retail deposits. Second, with expanding financial access to retail sector, for both saving and borrowing side, it will diversify liquidity and credit risk.