The continued monetary easing, in addition to the chronic stress of a decline in population and the number of firms, is one of the factors that have intensified competition among financial institutions and exerted downward pressure on their profits. At the same time, monetary easing so far has encouraged the banks' more active lending and contributed to the improvement of firms' business performances.
Another major goal is to set regulations that may allow small and medium-size businesses recover access to credit, that may allow credit back to companies which due to the crisis have been forced to refinance their debt. In general, there is a flaw in the financial system and in our control system which to me is critical, namely, looking back instead of looking ahead.