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Content

2020, Issue 4/2020

1-9 Effects of e-commerce on prices and business competition
by Aitor Lacuesta & Pau Roldan & Darío Serrano-Puente
1-10 The impact of unconventional monetary policies on perceptions of extreme events at times of crisis
by Irma Alonso
1-10 Inflation persistence in the euro area: the role of expectations
by Pablo Aguilar
1-11 Impact of lockdown on the euro area labour market in 2020 H1
by Ángel Luis Gómez & José Manuel Montero
1-11 Recent developments in the cost of bank equity in Europe
by Luis Fernández Lafuerza & Javier Mencía
1-11 Developments in the collective investment industry in Spain between 2008 and 2019
by Laura Álvarez & Sergio Mayordomo
1-12 Euro area household income and saving during the first wave of the pandemic
by Ana del Río & José Antonio Cuenca
1-12 Brexit: situation and economic consequences
by Alejandro Buesa & Coral García & Iván Kataryniuk & César Martín-Machuca & Susana Moreno & Moritz Roth
1-13 China: impact of the pandemic and economic recovery
by Alejandro Buesa
1-13 Digital platforms: developments in their regulation and challenges in the financial arena
by Sergio Gorjón
1-16 Results of non-financial corporations to 2020 Q2
by Álvaro Menéndez Pujadas & Maristela Mulino
1-17 Effective retirement age: recent developments
by María Moraga & Roberto Ramos
1-18 October 2020 Bank Lending Survey in Spain
by Álvaro Menéndez Pujadas & Maristela Mulino
1-22 The impact of the Covid-19 crisis on the financial position of non-financial corporations in 2020: CBSO-based evidence
by Roberto Blanco & Sergio Mayordomo & Álvaro Menéndez & Maristela Mulino
1-27 Recent developments in financing and bank lending to the non-financial private sector
by Pana Alves & Roberto Blanco & Sergio Mayordomo & Fabián Arrizabalaga & Javier Delgado & Gabriel Jiménez & Eduardo Pérez Asenjo & Carlos Pérez Montes & Carlos Trucharte
1-34 Report on the Latin American economy. Second half of 2020
by Banco de España

2020, Issue 3/2020

1-10 Financial flows and balance sheets of households and non-financial corporations in 2019
by Víctor García-Vaquero & Maristela Mulino
1-12 Spanish companies exporting goods to the United Kingdom: stylised features and recent developments by Region
by Eduardo Gutiérrez Chacón & César Martín Machuca
1-13 Recent developments in real estate investment trusts in Spain
by Víctor García-Vaquero & Irene Roibás
1-13 An estimate of Pension System financial returns
by María Moraga & Roberto Ramos
1-13 Market microstructure factors in the determination of oil prices
by Carlos González Pedraz & María Teresa González Pérez
1-14 Consumption in Spain during the state of alert: an analysis based on payment card spending
by José González Mínguez & Alberto Urtasun & Miguel Pérez García de Mirasierra
1-14 Bank Lending Survey in Spain: June 2020
by Álvaro Menéndez Pujadas
1-15 The financial position of the workers most affected by the pandemic: an analysis drawing on the Spanish Survey of Household Finances
by Pilar Alvargonzález & Myroslav Pidkuyko & Ernesto Villanueva
1-17 Results of non-financial corporations in 2020 Q1
by Álvaro Menéndez Pujadas & Maristela Mulino
1-19 The 2020 European Semester and the specific recommendations for Spain
by Pilar García Perea & Antonio Millaruelo & Víctor María Mora Bajén & María del Carmen Sánchez Carretero

2020, Issue 2/2020

1-11 Foreign investment in the residential real estate market in Spain between 2007 and 2019
by Laura Álvarez & Roberto Blanco & Miguel García-Posada
1-17 The heterogeneous economic impact of COVID-19 among euro area regions and countries
by Elvira Prades Illanes & Patrocinio Tello Casas
1-17 Intergenerational employment trends in Spain in recent decades
by Sergio Puente & Ana Regil
1-19 Teleworking in Spain
by Brindusa Anghel & Marianela Cozzolino
1-20 The Balance of Payments and International Investment Position of Spain in 2019
by Pana Alves & Esther López & César Martín & Irene Roibás
1-31 Report on the Latin American economy. First half of 2020
by Banco de España
1-32 Reference macroeconomic scenarios for the Spanish economy after Covid-19
by Banco de España

2020, Issue 1/2020

1-8 Population at risk of poverty or social exclusion in Spain, according to the European Council definition
by Aitor Lacuesta & Brindusa Anghel
1-11 The relationship between inflation rates in advanced economies
by Luis J. Álvarez & Ana Gómez Loscos & M.ª Dolores Gadea
1-12 The EU-MERCOSUR free trade agreement: main features and economic impact
by Jacopo Timini & Francesca Viani
1-13 The end of the demographic dividend in Latin America: challenges for economic and social policies
by Juan Carlos Berganza & Rodolfo Campos & Enrique Martínez Casillas & Javier Pérez
1-14 Impact of new technologies on financial inclusion
by Esther Barruetabeña
1-15 Recent developments in financing and bank lending to the non-financial private sector 2019 H2
by Pana Alves & Fabián Arrizabalaga & Javier Delgado & Alejandro Ferrer
1-18 Results of non-financial corporations to 2019 Q4. Preliminary year-end data
by Álvaro Menéndez Pujadas & Maristela Mulino
1-18 January 2020 Bank lending survey in Spain
by Álvaro Menéndez Pujadas
1-20 Ageing, productivity and employment status
by Brindusa Anghel & Aitor Lacuesta

2019, Issue SEP

1-9 Banco de España macroeconomic projections: comparison with an econometric model
by Gergely Ganics & Eva Ortega
1-11 The relationship between average annual and quarter-on-quarter GDP growth rates: implications for projections and macroeconomic analysis
by José González Mínguez & Carmen Martínez Carrascal
1-13 Bank Lending Survey in Spain: July 2019
by Álvaro Menéndez Pujadas
1-13 Financial position of euro area households in 2018
by Ana del Río & José Antonio Cuenca
1-16 The 2019 European Semester and the specific recommendations for Spain
by Pilar García Perea & Jorge Martínez Pagés & Antonio Millaruelo de Lafuente & Carmen Sánchez Carretero
1-17 Recent developments in financing and bank lending to the non-financial private sector
by Pana Alves & Fabián Arrizabalaga & Javier Delgado & Irene Roibás
1-19 Recent developments in the rental housing market in Spain
by David López-Rodríguez & María de los Llanos Matea

2019, Issue MAR

1-9 Adapting lending policies against a background of negative interest rates
by Óscar Arce & Miguel García-Posada & Sergio Mayordomo
1-10 Spanish banks’ internationalisation strategy: characteristics and comparison
by Isabel Argimón
1-11 The Eurosystem’s monetary policy following the end of net asset purchases
by Óscar Arce & Galo Nuño & Carlos Thomas
1-12 The January 2019 Bank Lending Survey in Spain
by Álvaro Menéndez Pujadas
1-13 The loan to value ratio for housing in Spain over the period 2004-2016
by Olympia Bover & María Torrado & Ernesto Villanueva
1-14 Results of non-financial corporations to 2018 Q4: preliminary year-end data
by Álvaro Menéndez & Maristela Mulino

2019, Issue JUN

1-8 The impact of TLTROs on banks’ lending policies: the role of competition
by Miguel García-Posada Gómez
1-9 Financial flows and balance sheets of households and non-financial corporations in 2018
by Víctor & Juan Carlos Casado
1-9 Artificial intelligence in financial services
by Ana Fernández
1-10 Capital flows to emerging economies: recent developments and drivers
by Luis Molina & Francesca Viani
1-11 Real-time regional GDP forecasting: statistical aspects and a forecasting model
by Concha Artola & María Gil & Danilo Leiva & Javier J. Pérez & Alberto Urtasun
1-11 The impact of China on Latin America: trade and foreign direct investment channels
by Jacopo Timini & Ayman El-Dahrawy Sánchez-Albornoz
1-11 The latest protectionist trade trends and their impact on the European Union
by Francesca Viani
1-12 Some implications of new data sources for economic analysis and official statistics
by Corinna Ghirelli & Juan Peñalosa & Javier J. Pérez & Alberto Urtasun
1-12 Recent housing market developments in Spain
by Pana Alves & Alberto Urtasun
1-14 World economic outlook for 2019
by Pedro del Río & Esther Gordo
1-14 The April 2019 Bank Lending Survey in Spain
by Álvaro Menéndez Pujadas
1-15 Results of non-financial corporations in 2019 Q1
by Álvaro Menéndez
1-15 The balance of payments and international investment position of Spain in 2018
by Pana Alves & César Martín & Irene Roibás
1-16 Characterisation of self-employment in Spain from a European perspective
by Pilar García Perea & Concepción Román
1-16 Report on the Latin American economy. First half of 2019
by Banco de España

2019, Issue DEC

1-9 Tariff protectionist measures and Spanish goods exports
by Eduardo Gutiérrez Chacón & César Martín Machuca
1-11 Global impact of a slowdown in China
by Xu Bing & Moritz Roth & Daniel Santabárbara
1-13 A crisis early warning model for euro area countries
by Jose González Mínguez & Carmen Martínez Carrascal
1-13 Bank Lending Survey in Spain: October 2019
by Álvaro Menéndez Pujadas
1-13 Leveraged loans: definition and market development
by Carlos González Pedraz
1-14 The Federal Reserve review of its monetary policy framework
by Susana Párraga & Pedro del Río & Juan Luis Vega
1-16 The household saving rate in Spain between 2007 and 2016: decomposition by population group and possible determinants
by Brindusa Anghel & Cristina Barceló & Ernesto Villanueva
1-16 Results of non-financial corporations to 2019 Q2
by Álvaro Menéndez
1-19 Results of non-financial corporations in 2018 and in the first three quarters of 2019
by Álvaro Menéndez & Maristela Mulino
1-24 Report on the Latin American economy. Second half of 2019
by Banco de España
1-42 Survey of household finances (EFF) 2017: methods, results and changes since 2014
by Banco de España

2018, Issue SEP

1-8 Monetary policy implications of central bank-issued digital currency
by Galo Nuño
1-9 Reference variables for analysing inflation in Spain
by Luis Julián Álvarez & Isabel Sánchez
1-10 Creditor countries and debtor countries: some asymmetries in the dynamics of external wealth accumulation
by Ángel Estrada & Francesca Viani
1-11 Investment and financing of Spanish non-financial corporations: an analysis using firm-level data
by Daniel Dejuán & Álvaro Menéndez & Maristela Mulino
1-11 Recourse to Eurosystem funding by Spanish banks
by Ricardo Gimeno & Ana del Río
1-14 Trade patterns of China and India
by Elena Vidal
1-15 Results of non-financial corporations in the first half of 2018
by Álvaro Menéndez & Maristela Mulino

2018, Issue MAR

1-6 The effects of the Eurosystem’s corporate sector purchase programme on Spanish companies
by Óscar Arce & Ricardo Gimeno & Sergio Mayordomo
1-7 The role of the social environment in household consumption decisions in Spain
by Jose María Casado
1-8 Euro area inflation expectations
by Ricardo Gimeno & Eva Ortega
1-9 The January 2018 Bank Lending Survey in Spain
by Alvaro Menéndez Pujadas
1-11 Regional government access to market funding
by Mar Delgado & Javier J. Pérez
1-11 Labour market participation rate in the euro area: performance and outlook, a long-term view
by Cristina Fernández & David Martínez Turégano
1-12 The flattening of the yield curve in the United States
by Juan Carlos Berganza & Alberto Fuertes
1-14 Results of non-financial corporations to 2017 Q4: preliminary year-end data
by Álvaro Menéndez & Maristela Mulino
1-24 Global funding trends in capital markets in 2017
by Alberto Fuertes & Luis Molina & Luna Romo & Emilio Muñoz de la Peña

2018, Issue JUN

1-8 Financial flows and balance sheets of households and non-financial corporations in 2017
by Víctor García-Vaquero & Juan Carlos Casado
1-8 An analysis of the trade exposure of Spanish firms to the United Kingdom
by Eduardo Gutiérrez Chacón & César Martín Machuca
1-12 The April 2018 Bank Lending Survey in Spain
by Álvaro Menéndez Pujadas
1-14 Results of non-financial corporations in 2018 Q1
by Álvaro Menéndez & Maristela Mulino
1-16 Developments in public debt in Spain in 2017
by Mar Delgado & Blanca García & Leonor Zubimendi
1-16 The IMF’s concessional lending policy: situation and outlook
by Xavier Serra Stecher
1-20 The balance of payments and international investment position of Spain in 2017
by Pana Alves & Esther López & César Martín & Irene Roibás

2018, Issue DEC

1-8 Recent movements in the euro exchange rate and the impact on inflation in the Spanish economy
by Danilo Leiva & Jaime Martínez-Martín & Eva Ortega
1-10 Argentina: economic challenges in an adverse international setting
by Xavier Serra & Jacopo Timini & Enrique Martínez Casillas & Julia Estefanía
1-11 Composite indicators of inflationary pressures
by Luis Julián Álvarez & Isabel Sánchez
1-11 Distributed ledger technology (DLT): introduction
by José Luis Romero Ugarte
1-12 Recent developments in non-bank financing of Spanish firms
by Víctor García-Vaquero & Irene Roibás
1-13 The increase in TARGET balances in the euro area since 2015
by Pana Alves & Antonio Millaruelo & Ana del Río
1-13 Wage moderation in Spain and in the euro area
by Pilar Cuadrado & Federico Tagliati
1-16 The International Monetary Fund and its Role as a Guarantor of Global Financial Stability
by Sonsoles Gallego & Pilar L´Hotellerie-Fallois & Fernando López-Vicente
1-17 Results of non-financial corporations in 2017 and in the first three quarters of 2018
by Álvaro Menéndez & Maristela Mulino

2017, Issue SEP

1-7 Regional convergence in Spain: 1980‑2015
by Sergio Puente
1-7 The EU’s new-generation trade agreements: the CETA treaty
by M.ª Jesús González & Esther Gordo & Marta Manrique
1-8 The impact of unconventional monetary policy on euro area public finances
by Pablo Burriel & Francisco Martí & Javier J. Pérez
1-8 Spanish deposit-taking institutions’ net interest income and low interest rates
by Jorge Martínez Pagés
1-9 Spain in the global value chains
by Elvira Prades & Paloma Villanueva
1-12 The oil market: recent developments and outlook
by Daniel Santabárbara
1-14 Private-sector economic developments in the euro area in 2016
by Ana del Río & José Antonio Cuenca

2017, Issue MAR

1-7 Population of Spain: latest developments and projections
by Pilar Cuadrado
1-10 The natural interest rate: concept, determinants and implications for monetary policy
by Alessandro Galesi & Galo Nuño & Carlos Thomas
1-10 Services regulation, input prices and exports
by Mónica Correa-López
1-10 Changes in the degree of financial pressure borne by Spanish non-financial corporations: 2007-2016
by Álvaro Menéndez & Maristela Mulino
1-13 Macroeconomic uncertainty: measurement and impact on the Spanish economy
by María Gil & Javier J. Pérez & Alberto Urtasun
1-14 Results of non-financial corporations: summary 2016 year-end data
by Álvaro Menéndez & Maristela Mulino
1-14 Towards efficient capital flow management
by Ángel Estrada & Luis Molina & Paula Sánchez & Francesca Viani
1-20 Global funding trends in capital markets in 2016
by Alberto Fuertes & José Manuel Marqués & Luis Molina
1-31 Situation of and outlook for the world economy at the start of 2017
by Banco de España
1-36 Survey of Household Finances (EFF) 2014: methods, results and changes since 2011
by Banco de España

2017, Issue JUN

1-8 The effect of oil price fluctuations on Spanish inflation
by Luis Julián Álvarez & Isabel Sánchez & Alberto Urtasun
1-10 Federal unemployment insurance in the United States
by Silvia Albrizio & Juan Carlos Berganza & Iván Kataryniuk
1-13 The recovery of private consumption in Spain by product type and household
by Marta Martínez Matute & Alberto Urtasun
1-13 The cost of interventions in the financial sector since 2008 in the EU countries
by Antonio Millaruelo & Ana del Río
1-13 The cost of interventions in the financial sector since 2008 in the EU countries
by Antonio Millaruelo & Ana del Río
1-14 Developments in public debt in Spain in 2016
by Mar Delgado & Blanca García & Leonor Zubimendi

2017, Issue DIC

1-10 A short-term forecasting model for GDP and its demand components
by Ana Arencibia Pareja & Ana Gómez Loscos & Mercedes de Luis López & Gabriel Pérez Quirós
1-10 China’s economic imbalances and the role of the financial sector
by Jacopo Timini

2017, Issue DEC

1-7 An assessment of the effectiveness of rebates for keeping the over-60s in employment
by Mario Izquierdo Peinado & Sergio Puente Díaz
1-9 Migratory pressures in the long run: international migration projections to 2050
by Rodolfo Campos
1-10 Contingent convertible bonds and subordinated debt of euro area credit institutions
by Ignacio Fuentes & Juan Carlos Casado
1-11 Human capital formation in the labour market
by Juan Jimeno & Aitor Lacuesta & Marta Martínez & Ernesto Villanueva
1-12 Developments in public investment during the crisis and the recovery
by Javier J. Pérez & Irune Solera
1-13 General government employment over the past decade
by Marta Martínez Matute & Javier J. Pérez
1-13 The October 2017 Bank Lending Survey in Spain
by Irene Roibás

2016, Issue SEP

1-10 Skills mismatch between labour supply and demand in Spain
by Sergio Puente & Alejandro Casado
1-12 The challenges for monetary policy normalisation in the United States in the current economic situation
by Juan Carlos Berganza & Javier Vallés

2016, Issue OCT

1-9 Islamic finance: developments and outlook
by Isabel Garrido & María Méndez & Pablo Moreno
1-9 Synergies between monetary policy and national policies in a monetary union
by Óscar Arce & Samuel Hurtado & Carlos Thomas

2016, Issue NOV

1-7 The Eurosystem corporate sector purchase programme and its effect on the external financing of Spanish non-financial corporations
by Sergio Mayordormo
1-8 National Productivity Boards
by Aitor Lacuesta & Patrocinio Tello

2016, Issue MAY

1-14 Developments in Spanish Public Debt in 2015
by Mar Delgado & Blanca García & Luis Gordo & Francisco Martí
1-14 Financial liberalisation in China: economic policy outlook and global implications
by Lucía Cuadro-Sáez & Sonsoles Gallego
1-18 The Balance of Payments and International Investment Position of Spain in 2015
by César Martín & Álvaro Menéndez & Fernando Nieto

2016, Issue JUN

1-8 Financial flows and balance sheets of households and non-financial corporations in 2015
by Víctor García-Vaquero & Maristela Mulino
1-10 Competitive adjustment and recovery: the British experience following the depreciation of sterling
by Teresa Sastre

2016, Issue JUL

1-11 The recent application of negative policy interest rates in the euro area and in other economies: rationale and preliminary evidence on their effects
by Jorge Martínez Pagés & Antonio Millaruelo

2016, Issue JAN

1-10 The global real interest rate: past developments and outlook
by Ignacio Hernando & Daniel Santabárbara & Javier Vallés
1-14 The weakness of business investment in the advanced economies
by Juan Carlos Berganza & María Romero & Teresa Sastre & Pablo Burriel & Marc Folch
1-16 The new map of international financial institutions
by Isabel Garrido & Pablo Moreno & Xavier Serra

2016, Issue FEB

1-12 Regional government access to market funding: international experience and recent developments
by Mar Delgado & Javier J. Pérez & Clara I. González

2016, Issue DEC

1-6 Thresholds in the relationship between inflation and economic activity
by Pilar Cuadrado & Enrique Moral-Benito
1-14 Inclusion of the renminbi in the Special Drawing Rights basket: technical and economic implications
by Pilar L’Hotellerie-Fallois & Lucía Sánchez & Xavier Serra

2016, Issue APR

1-12 The Eurosystem quantitative easing measures and the financial account
by Jorge Martínez Pagés

2015, Issue SEP

1-8 Spanish credit market activity and structure, 2004-2015
by Ignacio Fuentes Egusquiza
1-10 Consumption dynamics in Spain by product type
by José González Mínguez & Alberto Urtasun

2015, Issue OCT

1-14 Household formation and the need for new primary dwellings in the medium term
by M.ª de los Llanos Matea Rosa & M.ª del Carmen Sánchez Carretero

2015, Issue NOV

1-8 Asymmetries in the relationship between inflation and activity
by Luis Julián Álvarez & Ana Gómez Loscos & Alberto Urtasun

2015, Issue MAY

1-8 The cyclical resilience and determinants of the participation rate in Spain
by José Manuel Montero & Ana V. Regil

2015, Issue MAR

1-14 Global funding trends on the capital markets in 2014
by Carmen Broto & Alberto Fuertes & Emilio Muñoz de la Peña
1-16 Adjustment and growth prospects in the developed economies
by Ignacio Hernando & Pedro del Río & Irene Pablos

2015, Issue JUN

1-6 Wage response to changes in the cyclical situation: an estimate based on MCVL social security administrative labour records
by Mario Izquierdo & Sergio Puente

2015, Issue JAN

1-10 Recent behaviour of the trade credit of non-financial firms in Spain
by Víctor García-Vaquero & Maristela Mulino Ríos

2015, Issue DEC

1-10 Euro area corporate debt issuance during the crisis
by Eduardo Orellana & Ana del Río
1-10 The internationalisation of Spanish SMEs: main developments and their determinants
by M. Jesús González Sanz & César Martín Machuca

2015, Issue APR

1-6 Collective bargaining, wage rigidities and employment: an analysis using microeconomic data
by Ernesto Villanueva
1-24 Situation of and outlook for the global economy at the start of 2015
by Associate Directorate General International Affairs

2014, Issue OCT

1-8 A procedure for short-term GDP forecasting
by Luis Julián Álvarez & Alberto Cabrero & Alberto Urtasun
1-10 A disaggregated analysis of the determinants of the increase in lending rate spreads in Spain during the crisis
by Banco de España

2014, Issue MAR

1-22 The world economy faced with a change in scenario. Developments, outlook and risks
by Associate Directorate General International Affairs

2014, Issue JUN

1-8 A disaggregated analysis of recent developments in lending to corporations
by Carmen Martínez & Álvaro Menéndez & Maristela Mulino

2014, Issue JUL

1-10 The new revaluation and sustainability factor of the Spanish pension system
by Roberto Ramos
1-10 Impact of restructuring plans on lending to non-financial corporations
by Jorge Martínez Pagés

2014, Issue JAN

1-8 Bank lending to Spanish corporations in terms of their size. An analysis based on the joint exploitation of information from the CCR and the CBI
by Carmen Martínez Carrascal & Maristela Mulino Ríos
1-12 Does the international monetary fund have sufficient financial resources?
by Pilar L’Hotellerie-Fallois & Pablo Moreno
1-32 Survey of household finances (EFF) 2011: methods, results and changes since 2008
by Banco de España

2014, Issue FEB

1-4 Analysis of composition effects on wage behaviour
by Sergio Puente & Sofía Galán
1-14 ECB action and the Spanish economy during the first fifteen years of the euro
by José Luis Malo de Molina
1-16 Global funding trends on the capital markets in 2013
by Alberto Fuertes & Luna Romo

2014, Issue DEC

1-14 Financing in the US and UK recoveries
by Clara Isabel González Martínez

2014, Issue APR

1-12 Assessment of external imbalances and country risk perception
by Teresa Sastre & Francesca Viani

2013, Issue SEP

1-10 The 2012 labour reform: an initial analysis of some of its effects on the labour market
by Mario Izquierdo & Aitor Lacuesta & Sergio Puente
1-10 Changes in household saving and consumption in Spain during the crisis
by Óscar Arce & Elvira Prades & Alberto Urtasun

2013, Issue OCT

1-18 An analysis of the situation of lending in Spain
by Juan Ayuso

2013, Issue NOV

1-12 Private-sector deleveraging channels: an international comparison
by Daniel Garrote & Jimena Llopis & Javier Vallés

2013, Issue MAY

1-10 The export activity and non-price competitiveness of European firms
by César Martín & Patrocinio Tello

2013, Issue JUL

1-8 Variation in the cyclical sensitivity of Spanish inflation: an initial approximation
by Luis Julián Álvarez & Alberto Urtasun
1-10 The European Central Bank’s response to the crisis
by José Luis Malo de Molina
1-18 Developments in Spanish public debt since the start of the crisis
by Luis Gordo & Pablo Hernández de Cos & Javier J. Pérez

2013, Issue JAN

1-8 Spanish non-financial corporations’ debt since the start of the crisis. A disaggregated analysis
by Álvaro Menéndez & María Méndez

2013, Issue FEB

1-6 Statistical effects on Spanish credit institutions’ balance sheets of the recent restructuring and recapitalisation operations
by Juan Peñalosa
1-6 Changes in bank capital and lending: a microeconomic approach
by Ignacio Hernando & Ernesto Villanueva

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