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Working Paper

Gross Loan Flows

Changes in net lending hide the much larger and more variable gross lending flows. We present a series of stylized facts about gross loan flows and how they vary over time, bank size, and the business cycle. We look at both the intensive (increases and decreases) and extensive (entry and exits) margins. We compare these results with the output from a simple stochastic search model.

Suggested Citation

Craig, Ben R., and Joseph G. Haubrich. 2006. “Gross Loan Flows” Federal Reserve Bank of Cleveland, Working Paper No. 06-04. https://doi.org/10.26509/frbc-wp-200604