European Central Bank, (2017), “Results of the April 2017 euro area bank lending survey”, ECB, 25 Απριλίου
Credit standards for loans to enterprises eased slightly in net terms in the first quarter of 2017, according to the April 2017 bank lending survey (BLS). The net easing (-2%) of credit standards – i.e. banks’ internal guidelines or loan approval criteria – follows a net tightening of 5% in the previous quarter and was broadly in line with expectations in the previous survey round. Competitive pressure was the main factor behind the net easing of credit standards on loans to enterprises. Credit standards on loans to households for house purchase also eased (a net percentage of -5%, compared with 1% in the previous quarter). For the second quarter of 2017, banks expect a slight net tightening of credit standards for loans to enterprises and unchanged credit standards for housing loans.
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