varmuusvarantojen
Varmuusvarantojen (Finnish for "savings reserves") are a financial instrument used in the Finnish banking system to ensure the stability and liquidity of the banking sector. They are a form of government guarantee that banks can use to cover potential losses on certain types of loans, such as mortgages and consumer loans. Varmuusvarantojen are held by the Finnish Financial Supervisory Authority (FIN-FSA) and are funded by a levy on banks' profits.
The purpose of varmuusvarantojen is to provide an additional layer of protection for depositors and to prevent
Varmuusvarantojen are not a form of deposit insurance, as they do not cover all types of deposits
The use of varmuusvarantojen has been a subject of debate in Finland, with some arguing that they