Of course, on the part of financial institutions, it is necessary to encourage individual customers to adequately understand the measures that are indispensable for self-protection. Conclusion I have mentioned important points indispensable to the sound development of retail financial services in Japan.
Graph 10 Australian Capital Flows Net inflows, per cent of GDP  8  BIS central bankers’ speeches  The question that arises is what will happen to bank funding if, as expected, credit growth picks up over the next few years? Will it return to the pre-crisis pattern? This seems unlikely at this stage.