European Central Bank, (2013), “The Euro Area Lending Survey-2 nd Quarter 2013”, 24 Ιουλίου.
The European Central Bank (ECB) is publishing its report on the results of the July 2013 euro area bank lending survey today. The bank lending survey, which is conducted four times a year, usually at the beginning of each quarter, was developed by the Eurosystem in order to enhance the understanding of bank lending behaviour in the euro area. The results reported in the July 2013 survey relate to changes in the second quarter of 2013 and to expectations of changes in the third quarter of 2013. Four ad hoc questions were included in the questionnaire for the July 2013 survey, namely one addressing the impact of the financial turmoil on access to retail and wholesale funding, one on the impact of the sovereign debt crisis on banks’ funding conditions, credit standards and credit margins, and two on the likely impact of ongoing regulatory changes on banks’ lending policies (via the potential impact on the latter’s capital positions, credit standards and credit margins).