Access to basic banking services

The plan wants the state through stronger ownership in the financial sector to sharpen competition and improve conditions for smaller businesses, and for the state to resist when banks' pricing and selection are driven by their own profit interests. It also highlights the small businessperson's vulnerable position in competition with large companies. Investigating why small businesses and associations are denied bank accounts and whether the right can be enshrined in law thereby lies in line with the plan.

• better conditions for smaller businessesdecisive»investeringar, skärpa konkurrensen och förbättra villkoren för mindre« (party programme ↗)“investments, sharpen competition and improve conditions for smaller”
• state role in the financial sector»ett starkare ägande i finanssektorn kan staten säkra samhällsviktiga« (party programme ↗)“stronger ownership in the financial sector can the state ensure socially important”
• the state corrects the market»Staten kan också spela viktiga roller för att hålla företagens« (party programme ↗)“The state can also play important roles to maintain companies'”
• support for small business owners»Du som arbetar hårt inom ditt eget småföretag, i konkurrens med storbolag.« (2022 manifesto ↗)“You who work hard in your own small business, in competition with large companies.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan promises security for small business owners and strengthened conditions for business on all sites, which argues for investigating why small businesses and associations are denied bank accounts and whether the right can be enshrined in law. The plan also values thriving popular movements that are affected when banking services are closed. The question of basic banking services is not addressed in the documents, so the position is derived from neighboring principles.

• security for small business ownersdecisive»Trygghet för småföretagare.« (party programme ↗)“Security for small business owners.”
• business throughout the country»Stärkta förutsättningar för företagande på alla orter.« (party programme ↗)“Strengthened conditions for business on all sites.”
• valued popular movements»Livskraftiga folkrörelser för att hålla ihop samhället.« (party programme ↗)“Thriving popular movements to hold society together.”
• counter market failures»Förhindrande av priskarteller och oskälig prissättning.« (party programme ↗)“Prevention of price cartels and unreasonable pricing.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan wants it to be easy to start and run a business and that a diversity of business forms, including ideologically-driven organizations and associations, are given better conditions. That small businesses and civil society are denied bank accounts strikes directly against this. The plan also requires clear and long-term conditions for civil society and that the state ensures regulations so that markets function.

• easy to run a businessdecisive»vara enkelt att starta företag, växa och anställa sina första medarbetare.« (party programme ↗)“be easy to start a business, grow and hire your first employees.”
• diversity of business forms»se en levande mångfald av företagsformer.« (party programme ↗)“see a living diversity of business forms.”
• clear conditions for civil society»Stöd och villkor för civilsamhället måste vara långsiktiga och tydliga.« (party programme ↗)“Support and conditions for civil society must be long-term and clear.”
• the state secures functioning markets»Staten ska säkerställa att det finns regelverk och institutioner som ser till att marknader« (party programme ↗)“The state shall ensure that there are regulations and institutions that see to that markets”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan states that it should be easy to start and run a business and that capital supply is crucial for small businesses. That new entrepreneurs and associations are denied a bank account is precisely such an obstacle that policy according to the plan should remove. Investigating the reasons and whether the right to an account can be enshrined in law is therefore in line with the plan.

• easy to start and run a businessdecisive»Därför kommer Centerpartiet alltid att vara småföretagens bästa vän i svensk politik. Det ska vara lätt att starta och driva företag; det ska löna sig att ta klivet och satsa.« (2022 manifesto ↗)“Therefore the Centre Party will always be small businesses' best friend in Swedish politics. It should be easy to start and run a business; it should pay to take the leap and invest.”
• capital supply for small businesses»Kapitalförsörjning är avgörande för många småföretag.« (2022 manifesto ↗)“Capital supply is crucial for many small businesses.”
• remove obstacles for civil society»Politikens uppgift är att riva hinder och röja väg för denna utvecklingskraft.« (party programme ↗)“Policy's task is to remove obstacles and clear the way for this developmental force.”
• remove obstacles for entrepreneurs»Rensa upp i regelträsket för entreprenörer, stora som små.« (2022 manifesto ↗)“Clear out the regulatory maze for entrepreneurs, large and small.”

The plan establishes that politics' task is to quickly remove obstacles that make it difficult for businesses, that regulatory burden on small businesses shall decrease and that civil society shall be given good conditions. Investigating why small businesses and associations are denied bank accounts, and whether they can be guaranteed the same right as private individuals, serves both these commitments.

• remove obstacles for businessesdecisive»Politikens uppgift måste vara att snabbt undanröja hinder för att underlätta för företag och« (party programme ↗)“Politics' task must be to quickly remove obstacles to facilitate for businesses and”
• reduced regulatory burden small businesses»Regelbördan för små företag ska minska, genom ansträngningar på både kommunal, statlig« (party programme ↗)“Regulatory burden on small businesses shall decrease, through efforts at both municipal, national”
• good conditions for civil society»Politiken ska bidra till att det civila samhället ges goda förutsättningar.« (party programme ↗)“Politics shall contribute to civil society being given good conditions.”
• more new business owners»Fler företagare och entreprenörer skapar fler jobb och mer välstånd.« (2022 manifesto ↗)“More business owners and entrepreneurs create more jobs and more prosperity.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan gives the state the overall responsibility to ensure equal conditions for different business forms and entrepreneurship in all parts of the country, and places small and medium-sized enterprises at the centre of business policy. Investigating why small businesses and civil society organisations are denied bank accounts, and whether the right can be enshrined in law, follows from this and from the plan's emphasis on a vital civil society. According to the plan, the market economy presupposes effective legal rules.

• equal conditions for entrepreneurshipdecisive»Dessutom måste staten ta det övergripande ansvaret för att likvärdiga villkor ska gälla för« (party programme ↗)“Moreover, the state must take the overall responsibility to ensure equal conditions for”
• small businesses at the centre»De små och medelstora företagen, som ofta är familjeföretag, ska stå i centrum för utformningen av näringslivspolitiken.« (party programme ↗)“Small and medium-sized enterprises, which are often family businesses, should be at the centre of business policy design.”
• a vital civil society»Ett vitalt civilsamhälle är av stor betydelse eftersom engagemang i föreningar, frivilligorganisationer och samfund innebär« (party programme ↗)“A vital civil society is of great importance because engagement in associations, voluntary organisations and communities means”
• effective legal rules»En fungerande marknadsekonomi kräver aktiva och välinformerade konsumenter samt« (party programme ↗)“A functioning market economy requires active and well-informed consumers and”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan wants it to be easy to do right for those who start and run a business and that conditions for starting and growing are good. To investigate why small businesses and associations are denied bank accounts, and if the right can be guaranteed by law, removes a concrete barrier for new entrepreneurs. The plan does not, however, address banking services directly, so support is inferred.

• good conditions for businessdecisive»Villkoren för att starta, växa och expandera behöver vara goda för att fler ska våga lämna trygga och välbetalda jobb för att starta företag.« (2022 manifesto ↗)“Conditions for starting, growing and expanding need to be good for more people to dare to leave safe and well-paid jobs to start businesses.”
• simple to do right»Där det är lätt att göra rätt« (2022 manifesto ↗)“Where it is easy to do right”
• entrepreneurship as a societal asset»Företagsamhet och entreprenörskap är oundgängliga tillgångar för ett gott samhälle med utvecklingskraft.« (party programme ↗)“Enterprise and entrepreneurship are indispensable assets for a good society with development power.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The counter-proposal wants to examine why small businesses and civil society organizations are denied bank accounts and whether they can be guaranteed the same right as private individuals. The plan states that authorities must not be businesses' enemies but should have a supporting function, and that the thresholds for starting and running businesses should be lowered. That new entrepreneurs are excluded from basic banking services is precisely such a threshold.

• authorities should support businessdecisive»Myndigheterna får inte bli företagens fiender som sätter käppar i hjulen utan måste få en mer stödjande funktion.« (2022 manifesto ↗)“Authorities must not become businesses' enemies who put obstacles in the way but must have a more supporting function.”
• lower thresholds for new business»Skapa förutsättningar för nyföretagande och entreprenörskap« (2022 manifesto ↗)“Create conditions for new business and entrepreneurship”
• relieve small business»Verka för regelförenkling och avlasta småföretagens administrativa börda« (2022 manifesto ↗)“Work for deregulation and relieve small enterprises of administrative burden”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.