There is a clear tendency for many financial institutions to increase growth in lending. In 2015 there was typically no growth in lending, while in 2016 the typical growth rate increased to around 6%. Historically speaking, it is in periods of economic upturns that the seeds of the problems in the next crisis are sown. As the economy improves, banks take more risks, which are to some extent underestimated and to some extent excessive in relation to the individual enterprises.
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