Here is the rewritten article in markdown format:

Banking Regulation in Finland: Key Points

Foreign Shareholdings in Banks

Finland does not apply different treatment to foreign investments under its law. This means that there are no specific restrictions on foreign shareholdings in banks operating within the country.

Liquidation of Banks

The legal framework for liquidating banks in Finland includes:

• Voluntary Winding-up and Bankruptcy: The Companies Act or Co-operatives Act applies depending on the corporate form of the bank.
• Winding Up Proceedings: Specific laws regulating credit institutions govern winding up proceedings.

Recovery and Resolution Regime

The recovery and resolution regime in Finland involves:

• Preparation of Recovery Plans: Troubled deposit banks must draw up a plan indicating how they intend to reorganize their financial position or terminate their operations.
• Powers of the Regulator: The FSA assesses whether a credit institution fulfills the criteria for placing it under resolution and makes a decision on placing the institution under resolution if the criteria are met.

If you have any specific follow-up questions or need further clarification, please let me know!