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Business Loan Markets

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Credit availability for businesses continued to improve in 2004, according to the Federal Reserve’s Senior Loan Officer Survey. A positive net percentage indicates that, compared to the previous quarter, more banks reported higher standards than reported no change or easing standards. A negative net percentage means the opposite. In the July 2005 survey (covering May, June, and July), respondent banks reported further easing of lending standards for commercial and industrial loans, although a slightly smaller fraction reported easing credit standards than in recent surveys. Respondents had narrowed their lending spreads, reduced collateral requirements, and increased the size of credit lines.


Suggested citation: "Business Loan Markets," Federal Reserve Bank of Cleveland, Economic Trends, no. 05-10, pp. 17, 10.01.2005.

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