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  • 1
    facet.materialart.
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    Oslo: Norges Bank
    Publication Date: 2020-01-09
    Description: Artikkelen presenterer utviklingen i etterspørsel etter kreditt og kredittpraksis fra norske banker siden 2008, slik de er representert i Norges Banks utlånsundersøkelse. Norske banker har rapportert om en betydelig innstramming i kredittpraksis i denne perioden. Norges Banks utlånsundersøkelse gir innsikt i årsakene til denne innstrammingen og på hvilken måte bankene har endret sine lånebetingelser. Det var en betydelig innstramming i kredittpraksis mot foretakene under finanskrisen i 2008-2009, mens innstrammingen i kredittpraksis mot husholdningene har kommet mer gradvis, og i stor grad som respons på nye krav og reguleringer fra myndighetene. Vi finner at strammere lånebetingelser rettet mot husholdningene har påvirket kredittveksten i denne sektoren.
    Keywords: ddc:330
    Language: Norwegian
    Type: doc-type:report
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  • 2
    facet.materialart.
    Unknown
    Oslo: Norges Bank
    Publication Date: 2020-01-09
    Description: Administrative register data for Norwegian households are used to analyse the distribution of debt and assets by income, wealth and age group. We find that the cross-sectional distribution is skewed. The distribution of debt across age has changed over time, with more of the debt being held by older households and less by younger ones. A birth-cohort study shows that households in later cohorts have more real debt than households in earlier cohorts when we compare the same life-cycle phase. Credit risk is evaluated using a number of measures and criteria. The overall conclusion is that the share of risky debt is small, but the share may increase significantly if interest rates climb to higher levels or house prices fall.
    Keywords: ddc:330
    Language: English
    Type: doc-type:report
    Location Call Number Limitation Availability
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