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The Implementation of Borrower-Based Measures: The Case of the Czech Republic

In: Regulation of Finance and Accounting

Author

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  • Lukáš Fiala

    (Prague University of Economics and Business)

Abstract

The article deals with the implementation of borrower-based measures within the framework of the macroprudential policy in the Czech Republic. The contribution is threefold. Firstly, we show the activation of instruments relating to mortgage market and house price development, which have gained strong growth during the last 5 years. Secondly, we discuss the Czech National Bank’s reaction to the COVID-19 crisis in the form of active instruments targeted at borrowers, which led to the abolition of debt-to-income (DTI) and debt-service-to-income (DSTI) ratios. Finally, we provide a view on the effort to incorporate these instruments into the national legal framework.

Suggested Citation

  • Lukáš Fiala, 2022. "The Implementation of Borrower-Based Measures: The Case of the Czech Republic," Springer Proceedings in Business and Economics, in: David Procházka (ed.), Regulation of Finance and Accounting, chapter 0, pages 95-107, Springer.
    • Handle: RePEc:spr:prbchp:978-3-030-99873-8_8
    DOI: 10.1007/978-3-030-99873-8_8
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