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A note on bank loan officers' expectations for credit standards: Evidence from the European bank lending survey

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  • Dimitrios Anastasiou
  • Konstantinos Drakos

Abstract

We employ quarterly credit standards data from the Bank Lending Survey, covering 14 EU countries for the period 2003 Q1 to 2016 Q1. By linking consecutive surveys and utilizing loan officers' responses regarding actual and expected credit standards, we set out to investigate which expectations formation mechanism best describes loan officers' expectations. According to our findings, bank loan officers' expectations are compatible with the adaptive expectations mechanism.

Suggested Citation

  • Dimitrios Anastasiou & Konstantinos Drakos, 2019. "A note on bank loan officers' expectations for credit standards: Evidence from the European bank lending survey," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 24(1), pages 49-53, January.
    • Handle: RePEc:wly:ijfiec:v:24:y:2019:i:1:p:49-53
    DOI: 10.1002/ijfe.1648
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    Cited by:

    1. Anastasiou, Dimitrios, 2020. "Senior bank loan officers' expectations for loan demand: Evidence from the Euro-area," MPRA Paper 98903, University Library of Munich, Germany.
    2. Dimitrios Anastasiou & Stelios Giannoulakis, 2021. "Are firms' expectations on the availability of external finance rational, adaptive or regressive?," Journal of Economic Studies, Emerald Group Publishing Limited, vol. 49(5), pages 833-849, June.
    3. Apergis, Nicholas & Chatziantoniou, Ioannis, 2021. "Credit supply conditions and business cycles: New evidence from bank lending survey data," Research in International Business and Finance, Elsevier, vol. 55(C).

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