English, Article edition: Bank credit standards Mitchell Berlin

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Physical Description
  • article
Language
  • English

Edition details

Title
  • Bank credit standards
Author
  • Mitchell Berlin
Physical Description
  • article
Notes
  • Banks' lending standards at times seem too stringent and at other times too lax. The pattern seems to indicate that banks lend more easily in good times but tighten credit standards in lean times. But such a lending pattern may also be attributable to changes in borrowers' default risk over the business cycle or changes in the demand for loans, which rises and falls with GDP. Is there a systematic reason why banks might be too lax or too stringent in their lending? Economists have proposed a number of models to explain a bank lending cycle, including changes in bank capital, competition, or herding behavior. In "Bank Credit Standards," Mitchell Berlin discusses these models and the empirical evidence for each.
  • RePEc:fip:fedpbr:y:2009:i:q2:p:1-10
Language
  • English
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