Credit (loan)

In the very broad sense of aggregate money demand theory, all tradable debt instruments and then usually set off against money (money and credit). – In macroeconomic terms, the sum of all liabilities to the banking system (provison of funds). – Any repayable amount of money contractually granted to a debtor by a bank or a company (e.g. employer’s loan; loan from the company, employers’ loan) (Borg, Gelddarlehn; money loaned). – The expectation of an economic unit to borrow money: its reputation, its creditworthiness, its credit standing (creditworthiness: the ability of an economic unit to borrow money). – The monetary liabilities of an economic unit, the loans taken out, the debts (liabilities). – Individual items explained in detail in the statistics and by the supervisory authorities with regard to bank balance sheets; for Germany, see Section 19 KWG and Section 21 KWG, where they are listed in detail. – It should, of course, be noted here that, via true-sale securitization, it is possible for an institution to take loans off the balance sheet and thus disappear from official statistics based on bank balance sheets (in the case of true-sale securitization, financial market developments make it possible for credit to be taken off the balance sheet and thus disappear from official statistics based on bank balance sheets). – See commitment fee, borrower’s note, loan, money loan, investment, investment loan, term loan, leasing transaction, non-acceptance compensation, package loan, deposit, project loan, rating, standard loan, term loan, bridging loan, template, interest, interest allocation function. – See the individual items as defined in the annex “Euro area statistics,” heading “Monetary developments, banks and investment funds,” subheading “MFI loans, breakdown” of the respective ECB Monthly Bulletin, ECB Monthly Bulletin of April 2005, p. 74 (problems of statistical comparability), ECB Monthly Bulletin of December 2009, p. 58 et seq. (euro area loans since 2004, broken down by various characteristics), ECB Monthly Bulletin of November 2010, p. 83 (note 28: difficulty of measuring loans with statistical precision), ECB Monthly Bulletin of May 2013, p. 44 ff. (detailed statistics on loans to SMEs), ECB Monthly Bulletin of July 2013, p. 44 ff. (financing conditions of SMEs; many overviews), Deutsche Bundesbank Monthly Bulletin of May 2014, p. 41 ff. (financing conditions of SMEs in the euro area; overviews).

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University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
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