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Some of this discussion has focused on the impact that risk weights may have on the volume of credit, and house prices.

Risk weights play an important part in the Reserve Bank's supervision of the banking sector. They help to determine the amount of capital that the banks need to set aside to cover losses on their lending to different sectors. History provides some insight into the importance of these various factors.

As a result of these risk factors, risk weights vary for different types of lending, with housing having a lower risk weighting than business or rural lending, which typically involve more risk. The risk weights are not set in order to incentivise any particular lending type over another. Insurance planning: Insurance protects you and your loved ones from the financial risk of unexpected events, and also provides financial security from anticipated costs such as long term care.

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