Drivers of Bank Supply of Business Loans

FEDS Notes Pub Date : 2022-02-22 DOI:10.17016/2380-7172.3059
A. Castro, David P. Glancy, F. Ionescu
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Abstract

Numerous studies show that tightening loan supply may significantly affect credit outcomes, including declines in total lending capacity and changes in loan terms (see for example, Bassett et al. (2014), Castro et al. (2022), Lown and Morgan (2006)). Moreover, research has linked these supply-driven declines in credit to negative effects on economic outcomes, including employment or output (see Alfaro et al. (2021) or Herheknhoff (2019)).
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银行提供商业贷款的驱动因素
大量研究表明,收紧贷款供应可能会显著影响信贷结果,包括总贷款能力的下降和贷款条款的变化(例如,参见Bassett等人(2014),Castro等人(2022),Lown和Morgan(2006))。此外,研究已将这些供应驱动的信贷下降与对经济结果的负面影响联系起来,包括就业或产出(见Alfaro等人(2021)或Herheknhoff(2019))。
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