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The Impact of Recent Policy Changes on the Canadian Mortgage Market

Recent policy changes are having a clear impact on the mortgage market. The number of new, highly indebted borrowers has fallen, and overall mortgage activity has slowed significantly.
Olga Bilyk
Olga Bilyk
Maria teNyenhuis
Maria teNyenhuis
November 14, 2018

Governor Poloz Speaks on Financial Vulnerabilities and Risks to the Economy

In his final speech of 2018, Governor Stephen S. Poloz discusses the vulnerabilities and risks in Canada’s financial system as well as Canadian and global economic developments. He explains how all this was taken into account in the December interest rate decision.
Stephen S. Poloz
Stephen S. Poloz
December 6, 2018

Financial System Survey Highlights

This article presents the key results from the autumn 2018 Bank of Canada Financial System Survey, conducted between September 24 and October 12, 2018. The survey collects expert opinions from financial system experts on the risks to, and resilience of, the Canadian financial system.
November 14, 2018

Financial System Resilience and House Price Corrections

We use models to better understand and assess how risks could affect the financial system. In our hypothetical scenario, a house price correction and elevated financial stress weigh on the economy. An increased number of households and businesses have difficulty repaying loans. Nonetheless, the large banks remain resilient.
Thibaut Duprey
Thibaut Duprey
Xuezhi Liu
Xuezhi Liu
Cameron MacDonald
Cameron MacDonald
Maarten van Oordt
Maarten van Oordt
Sofia Priazhkina
Sofia Priazhkina
Xiangjin Shen
Xiangjin Shen
Joshua Slive
Joshua Slive
Virginie Traclet
Virginie Traclet
November 14, 2018

Financial System Review: Assessment of Vulnerabilities and Risks - June 2018

This issue of the Financial System Review reflects the Bank’s judgment that high household indebtedness and housing market imbalances remain the most important vulnerabilities. While these vulnerabilities remain elevated, policy measures continue to improve the resilience of the financial system. A third vulnerability highlighted in the FSR concerns cyber threats to an interconnected financial system.
June 7, 2018

Keeping the Financial System Healthy

We are all better off if the financial system can weather a storm or two. And every one of us plays a role in keeping it that way.
Joshua Slive
Joshua Slive
Donald Coletti
Donald Coletti
October 16, 2018

Financial System Research Centre

The FSRC promotes financial system research in Canada to inform policy and improve the economic and financial well-being of Canadians.

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