In contrast, households in the bottom two income quintiles account for only 10 per cent of household debt. BIS Review 83/2010  3  If we look at the distribution of debt by age of household, we see that the increased debt has mainly been taken on by middle-aged households.
It is extremely important, especially at this juncture, to strengthen the reforms aimed at increasing employment, fostering competition in the product markets and creating an environment favourable to the development and implementation of new concepts and technologies. All individuals need to have the opportunity to get appropriate training.