A national debt register

The plan requires that financial capital's power is broken through regulation and harder taxation of the financial sector, and it sees households' economic security as a political responsibility when more live with low economic standard. A debt register that prevents risky credit-giving lies in line with that regulation line. That measures against over-indebtedness are implemented is therefore supported in substance.

• regulation of credit-givingdecisive»Finanskapitalets makt måste brytas genom regleringar och ökad« (party programme ↗)“Financial capital's power must be broken through regulation and increased”
• harder conditions for the financial sector»Vi vill beskatta finanssektorn« (party programme ↗)“We want to tax the financial sector”
• growing economic hardship»Samtidigt har antalet personer som lever med låg ekonomisk standard fördubblats de senaste decennierna.« (2022 manifesto ↗)“At the same time, the number of people living with low economic standard has doubled in recent decades.”
• economic security for households»Du som blir arbetslös ska veta att du får en bra a-kassa och inte behöva oroa dig över att du måste flytta till en billigare lägenhet, sälja huset eller inte kunna ha mat på bordet.« (2022 manifesto ↗)“If you become unemployed you should know that you will get a good unemployment insurance and not have to worry about needing to move to a cheaper apartment, sell the house or not be able to put food on the table.”

Worldstate weighed in: Inflation 10.6 per cent and policy rate 3.0 per cent — makes households' payment problems acute and sharpens the need for the credit regulation the plan advocates

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 party programme demands democratic counterweights and stable rules in the credit market and describes households' growing indebtedness as a source of deep instability. The election manifesto wishes to support those hardest hit by price increases with targeted measures. Completing the investigation into risky lending and establishing a debt register lies in that direction, even though the register is not mentioned in the documents.

• regulation of the credit marketdecisive»Det krävs demokratiska motvikter för att skapa de stabila spelregler som behövs för att« (party programme ↗)“Democratic counterweights are required to create the stable rules that are needed for”
• over-indebtedness as a social problem»Svåra fördelningskonflikter har tillfälligt kunnat undvikas genom att skuldsättningen i den« (party programme ↗)“Severe distribution conflicts have temporarily been able to be avoided through the fact that indebtedness in the”
• targeted support to those hardest hit»Med riktade och smarta stöd kan vi stötta människor utan att driva på inflationen.« (2022 manifesto ↗)“With targeted and smart support, we can support people without driving up inflation.”

Worldstate weighed in: CPI inflation 10.6 per cent and policy rate 3.0 per cent — More households find it difficult to manage payments, which reinforces the need for measures against over-indebtedness

The plan wants to prevent over-indebtedness and sees high private debt as a risk for both individuals and the economy, and it wants strong consumer protection. A debt register is a tool to prevent risky lending and thus to achieve what the plan requires. The plan at the same time values privacy, which speaks for narrow purposes and limited access to the register.

• prevent over-indebtednessdecisive»Girighet, överskuldsättning och spekulation ska motverkas.« (party programme ↗)“Greed, over-indebtedness and speculation should be prevented.”
• debt as risk»hög privat skuldsättning är en risk för individen« (party programme ↗)“high private debt is a risk for the individual”
• strong consumer protection»god konsumentvägledning, tydlig märkning av varor och tjänster« (party programme ↗)“good consumer guidance, clear labeling of goods and services”
• privacy balancing in registers»Vi vill värna människors rätt till integritet och« (party programme ↗)“We want to protect people's right to privacy and”

flags: integritetsavvagning

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 does not address a debt registry, but is based on basic security being so comprehensive that no one falls through the safety nets, and particularly points to households being pressed by rising inflation and rising interest rates. Measures against over-indebtedness follow from that principle. The plan's requirement for integrity testing of legislation however makes the support conditional on how a registry is designed.

• comprehensive basic securitydecisive»Den grundläggande tryggheten måste vara så heltäckande att ingen tillåts falla igenom skyddsnäten« (party programme ↗)“Basic security must be so comprehensive that no one is allowed to fall through the safety nets”
• households under pressure»Även många som har ett jobb har det svårt just nu på grund av rusande inflation och snabbt stigande räntor.« (2022 manifesto ↗)“Many who have a job are also struggling right now because of rising inflation and rapidly rising interest rates.”
• integrity testing of legislationweak support»All lagstiftning bör prövas mot dess påverkan på människors personliga integritet.« (party programme ↗)“All legislation should be tested against its impact on people's personal integrity.”

Worldstate weighed in: Inflation at 10.6 percent and policy rate at 3.0 percent — Makes over-indebtedness an acute issue to which the plan's security principle must be applied

flags: citat_svagt

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 over-indebted persons more easily to be able to become debt-free and that consumers throughout the country have access to budget and debt counselling within the framework of strong consumer protection. A debt register that counteracts risky credit serving meets this purpose. The plan simultaneously requires that integrity-infringing measures be justified only when an opposing interest weighs significantly more and the measure is effective, which makes the support conditional.

• help out of over-indebtednessdecisive»Reglerna för skuldsanering ska ändras så att överskuldsatta får större möjlighet att bli skuldfria.« (party programme ↗)“Rules for debt restructuring shall be changed so that over-indebted persons get greater opportunity to become debt-free.”
• debt counselling throughout the country»Konsumenter ska ha tillgång till budget- och skuldrådgivning och opartisk konsumentvägledning i hela« (party programme ↗)“Consumers shall have access to budget and debt counselling and impartial consumer guidance in whole”
• strong consumer protection»en stark konkurrenslagstiftning och konsumentlagar som ger rätt till korrekt produktinformation.« (party programme ↗)“strong competition legislation and consumer laws that give the right to correct product information.”
• integrity review of registers»är endast berättigade om ett motstående intresse väger uppenbart tyngre och åtgärden är effektiv.« (party programme ↗)“are only justified if an opposing interest weighs significantly more and the measure is effective.”

Worldstate weighed in: Inflation 10.6 per cent and policy rate 3.0 per cent — More households struggle to manage payments, which strengthens the plan's reasons to counteract over-indebtedness.

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 makes moderation a guiding virtue and requires effective legal rules and well-informed consumers on the credit market. A debt register is a means against risky lending and over-indebtedness, which the plan emphasizes also affects relatives and children. The plan's requirement for caution with personal data simultaneously sets integrity boundaries for the register's design.

• moderation as virtuedecisive»Måttfullhet innebär att förnuftet bör råda över alltför vidlyftiga« (party programme ↗)“Moderation means that reason should rule over overly extensive”
• legal rules for consumers»En fungerande marknadsekonomi kräver aktiva« (party programme ↗)“A functioning market economy requires active”
• indebtedness affects children»Det kan till exempel gälla beslut rörande skuldsättning« (party programme ↗)“It may for example concern decisions regarding indebtedness”
• privacy in personal data»försiktighet och respekt för den personliga integriteten« (party programme ↗)“caution and respect for personal privacy”

Worldstate weighed in: Inflation 10.6 percent and policy rate 3.0 percent — rising interest rates and prices make over-indebtedness more acute and strengthen the reason for measures

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 documents do not address over-indebtedness or a debt register. The closest relevant principle is the plan's focus on households' strained finances, where interest rate increases and price rises are identified as what must be addressed, which points to measures against risky lending. The programme's requirement to protect personal integrity is an objection to a new state register. The stance therefore rests on the situation picture rather than on the plan.

• strained household financesdecisive»Räntehöjningar pressar hushållen« (2022 manifesto ↗)“Interest rate increases strain households”
• households' cost crisis»Det har blivit orimligt dyrt att vara svensk.« (2022 manifesto ↗)“It has become unreasonably expensive to be Swedish.”
• protected personal integrity»Den personliga integriteten ska värnas, såväl från intrång« (party programme ↗)“Personal integrity shall be protected, both from intrusion”

Worldstate weighed in: Policy rate at 3.0 per cent — More households struggle to meet their payments, which provides factual grounds for measures against over-indebtedness.; Inflation at 10.6 per cent annually — Price rises worsen the debt problems in a way the plan did not anticipate.

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 does not address lending or a national debt register. The nearest commitments are to increase economic security for wage earners, brake soaring housing costs and counter systems that tempt fraud. With rapidly rising interest rates and prices, these principles speak for completing the investigation and establishing a debt register.

• ekonomisk trygghetdecisive»Öka den ekonomiska tryggheten för löntagare« (2022 manifesto ↗)“Increase economic security for wage earners”
• bromsa boendekostnaderna»Åtgärder behöver också vidtas för att bromsa de skenande boendekostnaderna så att fler har råd till ett hem.« (2022 manifesto ↗)“Steps also need to be taken to brake soaring housing costs so more can afford a home.”
• motverka riskfyllda system»Både fusk och sådana system som tenderar att locka till fusk och korruption ska motverkas.« (2022 manifesto ↗)“Both fraud and such systems that tend to tempt fraud and corruption should be prevented.”

Worldstate weighed in: CPI inflation 10.6 per cent and policy rate 3.0 per cent — Rapidly increasing payment burden makes over-indebtedness an acute problem that the plan did not foresee

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.