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Analysis of Credit Growth Determinants in the European Countries

Author

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  • Klejda Gabeshi

    (University of Craiova)

Abstract

The main function of banks is to facilitate the better functioning of lending activity, helping to improve efficiency and rational distribution of resources between different entities. If credit is used to purchase productive resources, this will help economic growth. The overall development of credits is usually based on a combination of factors that simultaneously impact the demand and supply of bank credit. Using a qualitative and quantitative analysis, the main objective of this paper is to establish the analysis of the evolution and determinants of credit activities, especially of the factors that have an impact on credit growth. Also, this paper will analyze the effects that the current pandemic has brought to the European banking sector in general and in particular to the credit activity. The results showed that economic growth, credit quality, financial intermediation rate, along with foreign and domestic funding sources are the main determinants of credit growth.

Suggested Citation

  • Klejda Gabeshi, 2020. "Analysis of Credit Growth Determinants in the European Countries," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(2), pages 38-43, December.
    • Handle: RePEc:ovi:oviste:v:xx:y:2020:i:2:p:38-43
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    Citations

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    Cited by:

    1. Gergana Mihaylova-Borisova, 2023. "Determinants of Credits on Private Sector in CEE Countries," Economic Research Guardian, Weissberg Publishing, vol. 13(1), pages 2-15, June.

    More about this item

    Keywords

    credit activity; credit determinants; credit growth; European banking sectors;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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