Bank Lending Survey in Spain: October 2019

Artículo de revista

Detalles Bibliográficos
Autor: Menéndez Pujadas, Álvaro
Tipo de recurso: artículo
Fecha de publicación:2019
País:España
Institución:Banco de España
Repositorio:Repositorio Institucional del Banco de España
OAI Identifier:oai:repositorio.bde.es:123456789/10795
Acceso en línea:https://repositorio.bde.es/handle/123456789/10795
Access Level:acceso abierto
Palabra clave:Funding, credit
Loan supply
Loan demand
Credit standards
Terms and conditions for loans
Financial markets
Financial analysis
Monetary policy
Créditos
E51
E52
G21
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oai_identifier_str oai:repositorio.bde.es:123456789/10795
network_acronym_str ES
network_name_str España
repository_id_str
spelling Bank Lending Survey in Spain: October 2019Menéndez Pujadas, ÁlvaroFunding, creditLoan supplyLoan demandCredit standardsTerms and conditions for loansFinancial marketsFinancial analysisMonetary policyCréditosE51E52G21Artículo de revistaIn 2019 Q3, according to the Bank Lending Survey, loan supply in Spain remained generally stable, with only credit standards for consumer credit to households tightening slightly, and terms and conditions on new loans for house purchase easing somewhat. By contrast, in the euro area, credit standards mostly eased while the overall terms and conditions tightened. In Spain, loan demand across all categories is estimated to have decreased, while demand from the two household segments appears to have increased in the euro area. Conditions of access to wholesale and retail funding markets remained stable or improved in nearly all cases during the quarter, both in Spain and in the euro area. In the last six months, the ECB’s expanded asset purchase programme continued to have a positive effect on banks’ liquidity and financing conditions, although the impact on banks’ profitability in the euro area appears to have been negative. This programme also continued to contribute to an easing of the terms and conditions of loans, and to an increase in the volume of lending, in nearly all segments. Lastly, the ECB’s negative deposit facility rate is estimated to have contributed, in the last six months, to the drop in the net interest income of Spanish and euro area banks, and to the lower interest rates applied to new loans. In the euro area, the negative interest rates also favoured a reduction in margins and an increase in lending volumes.Banco de EspañaMadrid : Banco de España, 20192019info:eu-repo/semantics/articleapplication/pdfhttps://repositorio.bde.es/handle/123456789/10795reponame:Repositorio Institucional del Banco de Españainstname:Banco de EspañaInglésEconomic Bulletin / Banco de España, 4/2019Versión en español 123456789/10119info:eu-repo/semantics/openAccessoai:repositorio.bde.es:123456789/107952026-06-20T12:44:27Z
dc.title.none.fl_str_mv Bank Lending Survey in Spain: October 2019
title Bank Lending Survey in Spain: October 2019
spellingShingle Bank Lending Survey in Spain: October 2019
Menéndez Pujadas, Álvaro
Funding, credit
Loan supply
Loan demand
Credit standards
Terms and conditions for loans
Financial markets
Financial analysis
Monetary policy
Créditos
E51
E52
G21
title_short Bank Lending Survey in Spain: October 2019
title_full Bank Lending Survey in Spain: October 2019
title_fullStr Bank Lending Survey in Spain: October 2019
title_full_unstemmed Bank Lending Survey in Spain: October 2019
title_sort Bank Lending Survey in Spain: October 2019
dc.creator.none.fl_str_mv Menéndez Pujadas, Álvaro
author Menéndez Pujadas, Álvaro
author_facet Menéndez Pujadas, Álvaro
author_role author
dc.subject.none.fl_str_mv Funding, credit
Loan supply
Loan demand
Credit standards
Terms and conditions for loans
Financial markets
Financial analysis
Monetary policy
Créditos
E51
E52
G21
topic Funding, credit
Loan supply
Loan demand
Credit standards
Terms and conditions for loans
Financial markets
Financial analysis
Monetary policy
Créditos
E51
E52
G21
description Artículo de revista
publishDate 2019
dc.date.none.fl_str_mv 2019
dc.type.none.fl_str_mv info:eu-repo/semantics/article
format article
dc.identifier.none.fl_str_mv https://repositorio.bde.es/handle/123456789/10795
url https://repositorio.bde.es/handle/123456789/10795
dc.language.none.fl_str_mv Inglés
language_invalid_str_mv Inglés
dc.relation.none.fl_str_mv Economic Bulletin / Banco de España, 4/2019
Versión en español 123456789/10119
dc.rights.none.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Banco de España
Madrid : Banco de España, 2019
publisher.none.fl_str_mv Banco de España
Madrid : Banco de España, 2019
dc.source.none.fl_str_mv reponame:Repositorio Institucional del Banco de España
instname:Banco de España
instname_str Banco de España
reponame_str Repositorio Institucional del Banco de España
collection Repositorio Institucional del Banco de España
repository.name.fl_str_mv
repository.mail.fl_str_mv
_version_ 1869417405205184512
score 15.301603

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