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Zur Kredithürde: Perzeption der Kreditvergabebereitschaft der Banken und unternehmensspezifische Kreditmarkterfahrung

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  • Christa Hainz
  • Nikolay Hristov

Abstract

Seit 2003 werden die deutschen Unternehmen im Rahmen des ifo Konjunkturtests regelmäßig auch nach ihrer Beurteilung der Kreditvergabebereitschaft der Banken gefragt. Die Antworten auf diese »Kreditfrage« werden sowohl für die Bildung makroökonomischer Indikatoren – wie der »Kredithürde« – als auch für die Analyse von Mikrodaten, d.h. von Beobachtungen auf Ebene des einzelnen Unternehmens, genutzt. Allerdings ist es dabei unklar, ob die Antwort eines Unternehmens dessen eigene Situation reflektiert oder vielmehr die sektorspezifischen, regionalen oder gar makroökonomischen Tendenzen widerspiegelt. Deshalb wird die regelmäßige Kreditfrage seit März 2017 in veränderter Form gestellt. Die Unternehmen werden explizit danach gefragt, ob sie Kreditbedarf haben und wie sie das Verhalten der Banken bei den Kreditverhandlungen einschätzen.

Suggested Citation

  • Christa Hainz & Nikolay Hristov, 2017. "Zur Kredithürde: Perzeption der Kreditvergabebereitschaft der Banken und unternehmensspezifische Kreditmarkterfahrung," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 70(07), pages 51-54, April.
    • Handle: RePEc:ces:ifosdt:v:70:y:2017:i:07:p:51-54
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    References listed on IDEAS

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    1. Olivier Coibion & Yuriy Gorodnichenko & Saten Kumar, 2018. "How Do Firms Form Their Expectations? New Survey Evidence," American Economic Review, American Economic Association, vol. 108(9), pages 2671-2713, September.
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    4. Theresa Kuchler & Basit Zafar, 2019. "Personal Experiences and Expectations about Aggregate Outcomes," Journal of Finance, American Finance Association, vol. 74(5), pages 2491-2542, October.
    5. Fidrmuc, Jarko & Hainz, Christa & Hölzl, Werner, 2017. "Dynamics of Access to Credit and Perceptions of Lending Policy: Evidence from a Firm Survey," VfS Annual Conference 2017 (Vienna): Alternative Structures for Money and Banking 168254, Verein für Socialpolitik / German Economic Association.
    6. Ulrike Malmendier & Stefan Nagel, 2016. "Learning from Inflation Experiences," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 131(1), pages 53-87.
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    Cited by:

    1. Stefan Sauer & Klaus Wohlrabe, 2020. "ifo Handbuch der Konjunkturumfragen," ifo Beiträge zur Wirtschaftsforschung, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 88.

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    More about this item

    Keywords

    Kreditmarkt; Kreditgeschäft; Unternehmen; Unternehmensfinanzierung; Deutschland;
    All these keywords.

    JEL classification:

    • M13 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - New Firms; Startups
    • L26 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Entrepreneurship
    • G31 - Financial Economics - - Corporate Finance and Governance - - - Capital Budgeting; Fixed Investment and Inventory Studies

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