Now, those payment companies have been asked to deposit the reserve funds with the central bank, and the related investment has been put under supervision. The third case is the internet financial companies. Some of them tended to induce overspending through various scenarios and over-marketing of loans or overdraft. They even offered loans to students without repayment abilities.
For instance, banks have reduced their NPL’s by transferring a large share of them to funds outside the official banking sector. Climate-related risks that seemed a distant possibility some years ago are rapidly gaining importance in the risk heat map.