Credit Growth and Bank Capital Requirements in the French Banking Sector

Labonne, Claire; Lamé, Gildas

doi:10.2139/ssrn.2336033

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Effect Of Bank Capital On Output Via Lending Spreads1

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“…Similarly loan growth by banks reporting a tightening of their lending standards due to capital concerns appears to be 4 percentage points lower than loan growth of banks that do not feel capital constrained. A similar route using the French Bank Lending Survey is taken by Labonne and Lame (2014).…”

Section: Effect Of Bank Capital On Output Via Lending Spreadsmentioning

confidence: 99%

Bank Capital Adjustment Process and Aggregate Lending

Duprey

Lé²

2014

SSRN Journal

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Section: Effect Of Bank Capital On Output Via Lending Spreadsmentioning

confidence: 99%

Bank Capital Adjustment Process and Aggregate Lending

Duprey

Lé²

2014

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Estimating the Effects of a Credit Supply Restriction: Is There a Bias in the Bank Lending Survey?

Nobili

Orame

2015

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In this paper we test for the potential bias in the estimated contribution of a supply restriction on lending to enterprises, as captured by the assessment of credit standards provided by the banks participating in the Eurosystem Bank Lending Survey (BLS banks). For Italy, we combine the information provided by the relatively small panel of large banking groups participating in the Eurosystem survey with the replies obtained from the non-overlapping and wider group of banks participating in the Regional Bank Lending Survey (non-BLS banks) carried out by the Bank of Italy. We find evidence of a limited upward bias in the estimated contribution of a tightening in credit standards from using the information for the BLS-only banks. This outcome mainly reflects a lower estimated sensitivity of lending growth to the considered indicators of a supply restriction for the non-BLS banks. The Eurosystem Bank Lending Survey, therefore, continues to be a timely and important source of information over the credit cycle for policymakers.

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Credit Growth and Bank Capital Requirements in the French Banking Sector

Cited by 2 publications

References 33 publications

Bank Capital Adjustment Process and Aggregate Lending

Bank Capital Adjustment Process and Aggregate Lending

Estimating the Effects of a Credit Supply Restriction: Is There a Bias in the Bank Lending Survey?

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