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Very low interest rates in major currencies have raised concerns over international credit flows to robustly growing economies in Asia. This paper examines three components of international credit and highlights several of the policy challenges that arise in constraining such credit. Our empirical findings suggest that international credit enables domestic credit booms in emerging markets. Furthermore, we demonstrate that higher levels of international credit on the eve of a crisis are associated with larger subsequent contractions in overall credit and real output. In Asia today, international credit generally is small in relation to overall credit – as was not the case before the Asian crisis. So even. | HM Revenue Customs Tax Credits Working sheet for tax credit relief for Gift Aid donations pension contributions and trading losses Use this working sheet to help you work out your income for tax credits purposes. Please make sure that you keep the working sheet or a record of your calculations in case we have any questions. Who should fill this in The person who has made the Gift Aid donations pension contributions or trading loss. If you are part of a joint claim and either of you made any of these payments or a trading loss then the first named person on your tax credits claim should fill in this working sheet. If you used the Earnings as an employee working sheet in the Notes sent with your tax credits claim form or Renewals Pack you may already have deducted any personal pension contributions you paid direct for example Free-Standing Additional Voluntary Contributions or payments to Stakeholder pensions from your employment earnings. If you have do not use this working sheet unless you or in a joint claim your partner have made other personal pension contributions Gift Aid donations or a trading loss. Your partner on this working sheet refers to the person you have claimed tax credits with and does not refer to your business partner. If you have made a joint claim please remember to enter your partner s name on the working sheet that your total income includes both your and your partner s income. Step 1 Work out your income using the working sheets included in the Notes sent with your tax credits claim form or Renewal Pack. Note 1 - benefits from your employer For information on what to include please go to Part 5.4 of the notes sent with your tax credits claim form or Page 8 of the notes sent with your tax credits Renewal Pack. Your employer usually tells you the taxable values on a form P9D or P11D and for tax credits purposes the benefit may include any goods or assets that you could sell for cash any personal liabilities for example your gas or electricity
