The bank lending survey for the euro area

Gabe de Bondt, Annalisa Ferrando, Jesper Berg, Adrian Rixtel () and Silvia Scopel

No 23, Occasional Paper Series from European Central Bank

Abstract: 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 survey for the euro area lies in particular in the way it provides greater insight into developments in credit standards, non-interest rate credit conditions and terms, the risk perception of banks and the willingness of banks to lend. Credit standards are the internal guidelines or criteria of a bank which reflect the bank JEL Classification: E43, E51, G21

Keywords: Bank of Japan; banks; credit markets; credit standards; European Central Bank; Federal Reserve; survey (search for similar items in EconPapers)
Date: 2005-02
Note: 337418
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (80)

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