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Evolución reciente de la financiación y del crédito bancario al sector privado no financiero

Author

Listed:
  • Pana Alves
  • Fabián Arrizabalaga
  • Javier Delgado
  • Irene Roibás

Abstract

Este trabajo inicia una serie de artículos analíticos que, con periodicidad semestral, estudiarán la evolución reciente de la financiación captada por el sector privado no financiero español y la exposición crediticia de las entidades de depósito residentes frente a dicho sector. Así, en los primeros meses de 2019, las condiciones de acceso a la financiación bancaria para los hogares y las empresas españolas continuaron siendo muy holgadas; sin embargo, después de varios años en los que estas han venido relajándose, empiezan a apreciarse síntomas de agotamiento en esta tendencia. A pesar de ello, el saldo vivo de crédito frente a este sector de las entidades de depósito mantuvo su tendencia descendente en el primer trimestre de 2019, al reducirse un 2,1 % en tasa interanual. Esto no fue óbice para que la tasa de dudosos continuara reduciéndose.

Suggested Citation

  • Pana Alves & Fabián Arrizabalaga & Javier Delgado & Irene Roibás, 2019. "Evolución reciente de la financiación y del crédito bancario al sector privado no financiero," Boletín Económico, Banco de España, issue SEP.
    • Handle: RePEc:bde:joures:y:2019:i:9:d:aa:n:24
    Note: Artículos Analíticos
    as

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    File URL: https://www.bde.es/f/webbde/SES/Secciones/Publicaciones/InformesBoletinesRevistas/ArticulosAnaliticos/19/T3/descargar/Fich/be1903-art24.pdf
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    More about this item

    Keywords

    financiación; crédito; hogares; empresas no financieras; entidades de depósito; morosidad;
    All these keywords.

    JEL classification:

    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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