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"Financial services in cyberspace have become both a routine and a necessity for consumers.In such an environment, the financial institutions providing these services must pay particular attention to consumer education and to cybersecurity in order to provide safer and more reliable financial services in the electronic environment, "said Tomas Garbaravičius, a member of the Board of the Bank of Lithuania, according to respondents, the probability and possible influence on the Financial system is the highest compared to other risks.According to the survey, in 2018 During the first half of the year, four financial institutions among the 29 surveyed were faced with the risk of cybercrime and l? one of them has suffered a loss Among the most important risks for the country's financial system is unsustainable development real estate prices or imbalances in the real estate market. However, the threat of overheating the real estate market in 2018.
Compared to the previous survey, there was a slight decrease in concerns about the potential crisis in the real estate market in the Scandinavian countries and its possible contamination with the Lithuanian financial system. However, this risk remains the biggest risk for the Lithuanian financial system in five years. This also includes the risk of a sudden increase in risk premiums in global financial markets and the risk of falling exports from Lithuania due to slower economic growth of major trading partners. In 2018 In the first half of the year, the threat of deteriorating household finances was the main cause of this increase.
Insurance companies have been the most significant deterioration in the financial situation of their households or unsustainable credit developments. More than half of the financial institutions surveyed (55%) said they had a low risk of high or low risk, and one-tenth of them said they badumed a higher risk. that a low risk. During the semi-annual survey, no financial institution indicated that it badumed a higher than low risk.
The survey was conducted by the Bank of Lithuania to badess the attitude of Lithuanian financial institutions vis-à-vis the national financial system and the potential challenges for its sustainable development. The survey is conducted twice a year. Banks, insurance and leasing companies, management companies and other financial institutions badess the major sources of risk for the Lithuanian financial system, the probability of occurrence of adverse events and their possible impact on the market. national financial system over the next 6 months. v, n, t, s) {if (f.fbq) returns; n = f.fbq = function () {n.callMethod? n.callMethod.apply (n, arguments): n.queue.push (argument)}; if (! f._fbq) f._fbq = n; n.push = n; n.loaded =! 0; n.version = 2.0 & # 39 ;; n.queue = []; t = b.createElement (e); t.async =! 0; t.defer =! 0; t.src = v; s = b.getElementsByTagName (e) [0]; s.parentNode.insertBefore (t, s)} (window, document), & quot; script & # 39; // connect.facebook.net/en_US/fbevents.js'); fbq ( & # 39;) & # 39; 1720142964883079 & # 39;); fbq ("track", "Pageview");
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