Efforts to change this through credit controls worked for a time until methods were found to get around it through leasing, direct lending and other means of financing and until the emphasis on market forces made such approaches appear inconsistent with modern trends.
A final issue which the recent global financial turmoil has brought to prominence concerns corporate governance. The experience of the conventional financial sector has been a reminder that financial institutions need high standards of corporate governance as they are entrusted with other people’s money.