However, the stance of investors toward firms with high credit risks remains severe and the lending attitudes of private banks remain cautious. Hence, the developments in the behavior of financial institutions and corporate financing continue to require close monitoring. 2  BIS Review 52/2002
For all other banks, the deposit guarantee scheme would be responsible for ensuring an orderly exit from the market, without unnecessary destruction of value and spillover effects. •  A number of legal constraints in the European framework currently hinder this possibility and should therefore be removed.