Bank lending is at the heart of the money creation mechanism: monitoring developments in bank lending is key to the definition of the monetary policy stance and its conduct.
In France, bank lending is monitored via the following channels: the lending activity reflected in banks' balance sheets, a regional census of flows of new loans, loans (beyond a given threshold) reported to the Central Credit Register, a regional census among 300 banks that are members of the French Banking Federation.
An opinion survey has been carried out on a quarterly basis since end-2002 among a sample of credit institutions in France and the rest of the euro area. It aims at analysing banks' lending policy vis-à-vis the non-financial sector in the euro area.
Updated on: 12/12/2022 09:57