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Consumer credit in the Czech Republic: What does its current growth imply for financial stability?

In: CNB Financial Stability Report 2017/2018

Author

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  • Vaclav Broz
  • Michal Hlavacek

Abstract

This article analyses structural changes in the evolution of consumer credit with regard to loan type, maturity category and extent of refinancing. We also examine changes in the interest rate distribution of consumer loans, which is multimodal. We go on to explore the determinants of consumer credit rates and identify growing competition and partially also easy monetary policy as the main determinants of the shift of the distribution of consumer credit rates towards lower client rates.

Suggested Citation

  • Vaclav Broz & Michal Hlavacek, 2018. "Consumer credit in the Czech Republic: What does its current growth imply for financial stability?," Occasional Publications - Chapters in Edited Volumes, in: CNB Financial Stability Report 2017/2018, chapter 0, pages 148-156, Czech National Bank.
    • Handle: RePEc:cnb:ocpubc:fsr1718/3
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