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These adverse effects tend to occur in countries with poor quality of governance, weak fiscal space, as well as those that do not have a sovereign wealth fund, do not implement macro prudential policies and do not have a diversified export base. The recent decline in commodity prices, especially for oil, has revived once again interest in their economic impact. Most commodities prices have declined by about 50 percent between mid 2014 and mid 2015, leading to significant losses in export earnings for commodity exporters. While commodity markets may be undergoing a transition to an era of low prices, such a sharp decline is not unprecedented. Adverse commodity price shocks can also contribute to financial fragility through various channels. First, a decline in commodity prices in commodity dependent countries results in reduced export income, which could adversely impact economic activity and agents including governments ability to meet their debt obligations, thereby potentially weakening banks balance sheets. Second, a surge in bank withdrawals following a drop in commodity prices may significantly reduce banks liquidity and potentially lead to a liquidity mismatch. If large enough, commodity price shocks can also adversely affect bank balance sheets by weighing on international reserves and increasing the risk of currency mismatches. Third, a decline in commodity prices can reduce commodity exporters fiscal performance by lowering revenue, which in turn may push government to adjust their budgets to accommodate revenue shortfalls. Often this can happen in a disorderly manner through the accumulation of payment arrears to suppliers and contractors, who in turn are unable to adequately service their bank loans. Macro prudential policies are gaining attention internationally as a useful tool to address system wide risks in the financial sector.

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9 million, and recent consumer data figures have shown that more than two million UK users have joined the digital book market in the first nine months of 2013. The current eBooks market share in Turkey is comparable to that of the US in 2007. In smartphone sales, Turkey holds the 6th spot in Europe and tablet sales have overtaken laptops in July 2013. With the recent increase in the sale of so many devices, it opens up the market for people interested in e content on these devices. However, it appears that the most hampering factor in eBook sales for Turkey is the shortage of qualified content in this department Last month, the ebook subscription service Scribd and Smashwords, the worlds largest distributor of independent ebooks, announced a two part collaboration they hope will consolidate their position in the emerging independent ebook publishing/distribution marketplace. According to a blog post by Mark Coker, Smashwords founder and CEO, Smashwords will supply books to Scribds new ebook subscription service, where for $8. 99 per month subscribers can enjoy unlimited reading. Smashwords ebooks will also be available for individual sale to Scribd customers under our standard retailer terms. Pundits might still be debating as to whether the US ebook market grew in 2013, but the record is clear that the global ebook market as a whole grew in 2013. In addition to a report that the German ebook market was exepcted to double in size by the end of 2013, there is also news today that the Brazilian, Dutch, and Russian ebook markets also saw excellent growth over the past calendar year Simon and Schuster experienced its greatest growth in the international marketplace last year, particularly in digital titles in English language countries abroad, according to Carolyn Reidy, President and CEO, who spoke on a panel at the Digital Book World conference in New York today.