The slowdown in German bank lending - revisited

The rate of growth in bank loans to private households and firms in Germany has declined substantially since early 2000 and currently stands at virtually zero. In this article, we analyse whether cyclical factors (demand-side driven) or banks unwillingness and/or inability to lend (supply-side driven) can be held responsible for this trend.Our preliminary results suggest that the slowdown in bank loan expansion is largely driven by a decline in the demand for loans. This result is supported by taking into account the latest tendency of corporates substituting bank loans for the issuance of money and capital market instruments. Although it cannot be ruled out that supply-side restrictions have contributed to the dampening of real bank loan expansion, to date these factors have played only a minor role. --German bank lending,Credit rationing

The Public Interest and Bank and Savings and Loan Expansion in Virginia

In the past, two phrases have been the subject of much evidence and legal argument in proceedings before the Virginia State Corporation Commission (SCC). The two phrases are public need and public convenience and necessity. Application of these two phrases has controlled the formation of new financial institutions and the expansion of existing ones. In 1976, the Virginia General Assembly eliminated in part these two phrases and in their place substituted a single phrase- public interes

Business financing in early 1957

Business enterprises - Finance ; Corporations - Finance

Fueling bank-loan growth

Bank loans ; Banks and banking - West ; Federal Reserve District, 12th

Financial year

Financial institutions ; Banks and banking ; Economic conditions - United States ; Credit

Money and credit in 1951

Money supply ; Bank loans ; Bank deposits

Turbulent but profitable

Banks and banking ; Bank profits

Bank credit and money

Credit ; Bank deposits ; Bank loans