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Evolución reciente de la financiación y del crédito bancario al sector privado no financiero. Segundo semestre de 2019

Author

Listed:
  • Pana Alves
  • Fabián Arrizabalaga
  • Javier Delgado
  • Alejandro Ferrer

Abstract

En la parte final del año 2019, la financiación captada por hogares y por empresas no financieras crecía a ritmos muy moderados, algo inferiores a los registrados en la primera mitad del año. Esta evolución se produjo en un contexto de debilidad de la demanda de fondos y en el que los criterios de concesión de los préstamos bancarios se habrían endurecido ligeramente, si bien el coste del crédito volvió a disminuir, en línea con la orientación más acomodaticia de la política monetaria. Por su parte, la cartera de préstamos de las entidades de depósito siguió contrayéndose, aunque a un ritmo más moderado, al tiempo que continuó mejorando su calidad media, con reducciones adicionales de la tasa de morosidad y de los activos adjudicados.

Suggested Citation

  • Pana Alves & Fabián Arrizabalaga & Javier Delgado & Alejandro Ferrer, 2020. "Evolución reciente de la financiación y del crédito bancario al sector privado no financiero. Segundo semestre de 2019," Boletín Económico, Banco de España, issue 1/2020.
    • Handle: RePEc:bde:joures:y:2020:i:03:d:aa:n:06
    Note: Artículos Analíticos
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    More about this item

    Keywords

    financiación; crédito; hogares; empresas no financieras; entidades de depósito; morosidad; diversificación;
    All these keywords.

    JEL classification:

    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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