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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.

Bank lending and interest rates in France 

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.

Bank lending and interest rates in the euro area 

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