Using household survey data, we document evidence of a loosening of credit standards in Euro area countries that … and substantial house price increases in some countries, we do not find similar credit easing as before the crisis …

educational attainment affects bank credit decisions and subsequent individual and firm outcomes. Our results highlight a "Matthew … likely to apply for credit, and receive higher credit scores, and better lending terms. Via this credit channel, such …

The Basel III regulation explicitly prescribes the use of Hodrick-Prescott filters to estimate credit cycles and … concerns on its fitness for policy use. To investigate this problem we study credit cycles in a panel of 26 countries between …

Failing to account for joint dynamics of credit and asset prices can be hazardous for countercyclical macroprudential … policy. We show that composite financial cycles, emphasising expansions and contractions common to credit and asset prices …

-dealers when they are more profitable. These results allow for a better understanding of banks' credit risk management. …

While some credit booms are followed by economic underperformance, many are not. Can lending standards help separate … good credit booms from bad credit booms contemporaneously? To observe lending standards internationally, I use information … HY share is procyclical, suggesting that lending standards in bond markets are extrapolative. Credit booms with …