New Zealand had a stable, corruption-free, democratic political system that creates a superior government-supported environment for a wide range of activities. (Pears Trust, 2012) Welcomes new investors and helps New Zealand businesses operate, grow, plan for the future and be flexible in the local and international market. However, the government still has interventions that positively or negatively affect New Zealand's affairs. In the latest news there is an ongoing discussion at the New Zealand Treasury about establishing a new rule for the Auckland mortgage market via a new loan-to-income scheme requiring a minimum of 30% of the down payment due to the purchasing property (Nichols, 2015) . First of all, it will scare off offshore investors. New Zealand's real business is also facing the crisis due to the negative effects of the new restrictions, just as local banks are facing the loss of customers. However, in the long term, the new policy will help turn Auckland's high house prices into a positive.B. Economic. New Zealand has a developed economy focused on the export and import of goods and services based on open markets and free trade with strong protection of property and intellectual property rights. New Zealand is a member of the WTO and APEC. Furthermore, the country is currently ranked third in the world with the most beautiful and freest economic environment according to the index score 82.1 out of 100 for 2015. (The Heritage Foundation, 2015). Furthermore, other indicators such as New Zealand's unemployment rate are 5.4. Furthermore, the inflation rate is only 1.2%, so the country ranks eighth out of 120 based on GDP per capita worldwide (New Zealand Government, 2015). So all these positive factors together lead... middle of paper...... the coast of the southern island will be the one most affected by El Nino, already suffering twelve months of drought which can cause crop loss and l the company itself. Valuable commercial species of fish that usually live in cold waters will migrate from the coasts, so New Zealand's fishing industry is about to encounter difficulties. More drought and stronger winds on the South Island generated by the El Nino phenomenon could lead to huge fires and destroy huge amounts of valuable wood and plant species, causing many problems for the local forestry industry. On the other hand, El Nino weather patterns could have a very positive effect on businesses operating in the tourism sector in New Zealand. The big waves, the dry and warm climate with many sunny days will bring more tourists next summer and all tourism agencies will benefit from this. (Trask, 2015)