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The slowdown in German bank lending - revisited

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  • Polleit, Thorsten
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    Abstract

    The rate of growth in bank loans to private households and firms in Germany has declined substantially since early 2000 and currently stands at virtually zero. In this article, we analyse whether cyclical factors (“demand-side driven”) or banks’ unwillingness and/or inability to lend (“supply-side driven”) can be held responsible for this trend.Our preliminary results suggest that the slowdown in bank loan expansion is largely driven by a decline in the demand for loans. This result is supported by taking into account the latest tendency of corporates substituting bank loans for the issuance of money and capital market instruments. Although it cannot be ruled out that supply-side restrictions have contributed to the dampening of real bank loan expansion, to date these factors have played only a minor role. --

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    Bibliographic Info

    Paper provided by Frankfurt School of Finance and Management in its series Frankfurt School - Working Paper Series with number 53.

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    Date of creation: 2004
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    Handle: RePEc:zbw:fsfmwp:53

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    Keywords: German bank lending; Credit rationing;

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    1. Wolf, Birgit, 2000. "Die Eigenmittelkonzeption des § 10 KWG," Frankfurt School - Working Paper Series 20, Frankfurt School of Finance and Management.
    2. Jochum, Eduard, 1999. "Hoshin Kanri: management by policy (MbP)," Frankfurt School - Working Paper Series 14, Frankfurt School of Finance and Management.
    3. Ecker, Thomas & Moormann, Jürgen, 1997. "Die Bank als Betreiberin einer elektronischen Shopping-Mall," Frankfurt School - Working Paper Series 4, Frankfurt School of Finance and Management.
    4. Cremers, Heinz, 2000. "Konvergenz der binomialen Optionspreismodelle gegen das Modell von Black/Scholes/Merton," Frankfurt School - Working Paper Series 26, Frankfurt School of Finance and Management.
    5. Heidorn, Thomas, 2001. "Bewertung von Kreditprodukten und Credit Default Swaps," Frankfurt School - Working Paper Series 36, Frankfurt School of Finance and Management.
    6. Moormann, Jürgen & Frank, Axel, 2000. "Grenzen des Outsourcing: eine Exploration am Beispiel von Direktbanken," Frankfurt School - Working Paper Series 24, Frankfurt School of Finance and Management.
    7. Moormann, Jürgen, 2002. "Terminologie und Glossar der Bankinformatik," Frankfurt School - Working Paper Series 37, Frankfurt School of Finance and Management.
    8. Biswas, Rita & Löchel, Horst, 2001. "Recent trends in U.S. and German banking: convergence or divergence?," Frankfurt School - Working Paper Series 29, Frankfurt School of Finance and Management.
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    Cited by:
    1. Yu, Xiaofan, 2011. "A spatial interpretation of the persistency of China's provincial inequality," Frankfurt School - Working Paper Series 171, Frankfurt School of Finance and Management.
    2. Grau, Corinna & Moormann, Jürgen, 2013. "Exploring the interrelation between process management and organizational culture: A critical review," Frankfurt School - Working Paper Series 200, Frankfurt School of Finance and Management.
    3. Inklaar, Robert & Koetter, Michael & Noth, Felix, 2012. "Who's afraid of big bad banks? Bank competition, SME, and industry growth," Frankfurt School - Working Paper Series 197, Frankfurt School of Finance and Management.
    4. Böing, Philipp & Müller, Elisabeth, 2012. "Technological Capabilities of Chinese Enterprises: Who is Going to Compete Abroad?," Annual Conference 2012 (Goettingen): New Approaches and Challenges for the Labor Market of the 21st Century 62081, Verein für Socialpolitik / German Economic Association.

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