Artículo de revista

According to the Bank Lending Survey, in 2022 Q3 credit standards and loan terms and conditions tightened across the board, both in Spain and in the euro area as a whole, with the loans to households for house purchase segment seeing the most pronounced tightening. Meanwhile, loan applications...

Motivación. El presente artículo resume los principales resultados de la Encuesta sobre Préstamos Bancarios, relativos al cuarto trimestre de 2022, y las expectativas para el primer trimestre de 2023. Se analizan también cuestiones sobre las condiciones de acceso a los mercados de...

Artículo de revista

Artículo de revista ; The results of the Bank Lending Survey show that during 2017 Q2 credit standards for new loans in Spain held stable in all segments, while in the euro area they eased slightly both in loans to enterprises and in loans to households for house purchase, holding virtually...

The Banco de España uses various microeconomic models, mostly of an empirical nature, to support its decision-making in relation to the analysis of economic and financial risks and economic policy advice. These models, which complement those of a macroeconomic nature, seeks to identify the...

El Banco de España utiliza distintos modelos de carácter microeconómico, mayoritariamente de naturaleza empírica, para sustentar su toma de decisiones en relación con el análisis de los riesgos económicos y financieros y del asesoramiento de la política económica. Esta familia de...

We investigate which firm characteristics are associated with investment in tangible and intangible fixed assets, paying special attention to the case of R&D, and which funding sources are used for each type of investment. Regarding firm characteristics, we find that younger and more profitable...

According to the Bank Lending Survey, during 2019 Q4, credit standards tightened slightly for all categories of lending in Spain, whereas this only affected consumer credit and other lending to households in the euro area. In this segment, the general terms and conditions on new lending eased,...

Most sectors and companies in the Central Balance Sheet Data Office Quarterly Survey saw an expansion in productive activity and employment in 2016.Buoyant activity, coupled with favourable trends in financial costs and revenues, enabled companies' ordinary profits to grow rapidly. This meant a...