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Credit Supply and Bank Interest Rates in the Italian Regions

In: Access to Bank Credit and SME Financing

Author

Listed:
  • Roberto Malavasi

    (University of Cagliari)

  • Mauro Aliano

    (University of Cagliari)

Abstract

This chapter offers a synthesis of the characteristics of the demand and supply of credit at the regional level in Italy. The various analyses are conducted using data from the Bank of Italy, ISTAT (Italian National Institute of Statistics) and Prometeia, and cover the 2010–2014 period. In particular, the loan supply for northern regions seems more proportionate and readily responsive to household and firm needs. The interdependence between the dynamics of price formation and credit quality, captured by a vector autoregression for panel regressions, is also significant, with an intensity that varies according to loan maturity and the evolution of economic and financial variables. This result highlights an amplified, negative relationship between interest spreads and credit quality.

Suggested Citation

  • Roberto Malavasi & Mauro Aliano, 2017. "Credit Supply and Bank Interest Rates in the Italian Regions," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Stefania Rossi (ed.), Access to Bank Credit and SME Financing, chapter 9, pages 225-255, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-319-41363-1_9
    DOI: 10.1007/978-3-319-41363-1_9
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