However,  4  BIS Review 121/2007  we should be fully aware that, without an efficient dispute resolution mechanism, public support to and recognition of the databases and banking system will be definitely weakened, resulting in unnecessary troubles. Thirdly, credit officers should be well trained to make full use of the information provided by the enterprise and individual credit information database.
Otherwise, there will always be a temptation to hold us responsible for political decisions. That was evident during the Greek crisis. What risk is the euro area running if it doesn’t go in that direction? It would condemn itself to weak growth. The 19 member countries have considerable resources in terms of activity, innovation and human capital.