Ladies and gentlemen, members of the press and dear colleagues, Behind us is a very successful year, as we can see in the results achieved, as well as in attained and improved macroeconomic stability. As so far, the National Bank of Serbia will remain committed to achieving its objectives, contributing to the resilience and stability of the domestic financial system.
The first set of questions that we need to answer in dealing with the issue of regulating the P2P Lending Platforms are: i. To regulate them or not? ii. If to regulate, should it be ex-ante or ex-post? iii. Is it now the right time? and  iv. If it is now the right time, should it be light touch or intensive regulation? 21.