This occasional paper explains why the bank lending survey was developed by the ECB and describes its main features. It … discusses the importance of credit developments for both the economy and the functioning of monetary policy, and further … clarifies why the survey was introduced. Furthermore, the paper demonstrates that the value added of implementing a bank lending …

the costs of banking regulation (and on the social value of making credit available to selected borrowers) incentivizes … steering of credit flows and most importantly the provision of an underpriced safety net for the banking business. However …

study, approximately 29 per cent of all personal bank accounts with an authorised credit line were overdrawn at the time of … Dispositionsrahmen der Kredit zum Befragungstag in Anspruch genommen. Insgesamt werden die Zinssätze für Überziehungskredite von Experten …Study on Overdraft and Instalment Credit Reference No: 514-06.01-2810HS034 Duration 8/2011 – 5/2012 - Executive Summary …

As the euro area has a predominantly bank-based financial system, changes in the composition and strength of banks … crisis, in a context of financial market stress and weak bank balance sheets, unconventional monetary policy measures have … non-standard measures were successful in stimulating lending and which bank business models were more strongly affected …

energy crisis compared to a bank or banking group with a low energy credit burden. The analysis of the energy loan burden has … eine Bank oder Bankengruppe in ebendiese Branchen vergeben hat. Anschließend ist es möglich, die Energiekreditlast über die … hinter dem von einer Bank oder Bankengruppe finanzierten Kreditvolumen steht. Banken oder Bankengruppen mit einer höheren …

itself most clearly in the rapid pace of growth in credit to the private sector. This process of financial deepening is … largely a natural and welcome catching-up phenomenon, but it has also increased the credit risks borne by the banking sectors … in the three economies. These credit risks are compounded by the widespread use of foreign currency-denominated or …

documents a growing role of non-bank financial intermediaries in the provision of credit to NFCs. After exploring supply and … reallocation of credit to other sectors or assets. This could generate greater systemic risk through unsustainable valuations or … macroprudential framework for non-bank financial intermediaries and calls macroprudential authorities to closely monitor the NFC …