I am therefore firmly convinced that credit institutions and enterprises, working hand in hand, will still be able to overcome the future challenges of business life. Even so, their relationship will certainly experience further change in the coming years and incorporate additional participants, mainly in the capital market.
I consider this a positive development, as the next rainstorm is sure to come, and when it does, it will be a good thing that enterprises are able to procure their umbrellas both on the capital market and in the shape of loans. Thank you for your attention. I now look forward to a lively discussion. BIS central bankers’ speeches  5