Somewhat tighter credit standards for enterprises
- Survey of Bank Lending
Household credit demand increased somewhat in 2011 Q3. Looking ahead, banks expect approximately unchanged household credit demand and somewhat lower corporate credit demand. Banks kept credit standards unchanged for households and tightened them somewhat for enterprises in 2011 Q3. Banks expect somewhat tighter credit standards for households and enterprises in 2011 Q4. Lending margins on household loans fell further, but rose somewhat on corporate loans in 2011 Q3. Looking ahead, banks expect lending margins on both household and corporate loans to rise somewhat.
In its work on monitoring financial stability in Norway, Norges Bank uses extensive statistics on developments in credit and financial markets. In order to expand the information base, Norges Bank conducts a quarterly survey of bank lending. The survey provides information on changes in the demand for and supply of credit and on changes in banks’ loan terms and conditions. Objective of the Bank Lending Survey