Credit and credit aggregates - Bank of Canada
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Bank of Canada RSS Feedsen2024-03-28T11:49:53+00:00News-Driven International Credit Cycles
https://www.bankofcanada.ca/2021/12/staff-working-paper-2021-66/
This paper examines the implications of positive news about future asset values that turn out to be incorrect at a later date in an open economy model with banking. The model captures the patterns of bank credit and current account dynamics in Spain between 2000 and 2010. The model finds that the use of unconventional policies leads to a milder bust.2021-12-23T13:31:43+00:00enNews-Driven International Credit Cycles2021-12-23Credit and credit aggregatesEconomic modelsFinancial stabilityRecent economic and financial developmentsSectoral balance sheetStaff Working Paper 2021-66https://www.bankofcanada.ca/wp-content/uploads/2021/12/swp2021-66.pdfStaff Working Paper 2021-66Galip Kemal OzhanDecember 2021EE4E44FF3F32F4F41GG1G15G2G21Monitoring payment deferrals during the COVID-19 pandemic—update, July 2021
https://www.bankofcanada.ca/2021/09/monitoring-payment-deferrals-during-the-covid-19-pandemic-update-july-2021/
In the initial stages of the COVID-19 pandemic, Canada’s financial institutions allowed households to defer payments on a range of loans. With nearly all of these deferrals having expired, we provide a final update of how these loans have performed through to July 2021.2021-09-24T15:00:02+00:00enMonitoring payment deferrals during the COVID-19 pandemic—update, July 20212021-09-24Can the characteristics of new mortgages predict borrowers’ financial stress? Insights from the 2014 oil price decline
https://www.bankofcanada.ca/2021/09/staff-analytical-note-2021-22/
We study the relationship between characteristics of new mortgages and borrowers’ financial stress in Canada’s energy-intensive regions following the 2014 collapse in oil prices. We find that borrowers with limited home equity were more likely to have difficulty repaying debt.2021-09-22T15:00:12+00:00enCan the characteristics of new mortgages predict borrowers’ financial stress? Insights from the 2014 oil price decline2021-09-22Household financial vulnerabilities and physical climate risks
https://www.bankofcanada.ca/2021/08/staff-analytical-note-2021-19/
Natural disasters occur more often than before, potentially exposing households to financial distress. We study the intersection between household financial vulnerabilities and severe weather events.2021-08-23T13:00:51+00:00enHousehold financial vulnerabilities and physical climate risks2021-08-23Analyzing supply and demand for business loans using microdata from the Senior Loan Officer Survey
https://www.bankofcanada.ca/2021/06/staff-analytical-note-2021-13/
Both supply and demand factors help determine the level of business lending in the economy, but most data show only their combined effect on prices and quantities. Using the Bank of Canada’s Senior Loan Officer Survey microdata on financial institutions’ lending conditions and demand, we separate supply from demand effects.2021-06-30T11:33:44+00:00enAnalyzing supply and demand for business loans using microdata from the Senior Loan Officer Survey2021-06-30An Optimal Macroprudential Policy Mix for Segmented Credit Markets
https://www.bankofcanada.ca/2021/06/staff-working-paper-2021-31/
How can macroprudential policy and monetary policy stabilize segmented credit markets? Is there a trade-off between financial stability and price stability? I use a theoretical model to evaluate the performance of alternative policies and find the optimal mix of macroprudential and monetary policy in response to aggregate shocks.2021-06-28T12:54:51+00:00enAn Optimal Macroprudential Policy Mix for Segmented Credit Markets2021-06-28Business fluctuations and cyclesCredit and credit aggregatesCredit risk managementFinancial stabilityFinancial system regulation and policiesStaff Working Paper 2021-31https://www.bankofcanada.ca/wp-content/uploads/2021/06/swp2021-31.pdfAn Optimal Macroprudential Policy Mix for Segmented Credit MarketsJelena ZivanovicJune 2021EE3E30E4E44E5E50Can regulating bank capital help prevent and mitigate financial downturns?
https://www.bankofcanada.ca/2021/06/staff-analytical-note-2021-12/
Countercyclical capital buffers are regulatory measures developed in response to the global financial crisis of 2008–09. This note focuses on how time-varying capital buffers can improve financial stability in Canada2021-06-01T14:00:43+00:00enCan regulating bank capital help prevent and mitigate financial downturns?2021-06-01Monitoring payment deferrals during the COVID-19 pandemic—update, March 2021
https://www.bankofcanada.ca/2021/05/monitoring-payment-deferrals-during-the-covid-19-pandemic-update-march-2021/
In the initial stages of the COVID-19 pandemic, Canada’s financial institutions allowed households to defer payments on a range of loans. With most of these deferrals having expired, we present updated details of how these loans have performed through to March 2021.2021-05-21T14:00:10+00:00enMonitoring payment deferrals during the COVID-19 pandemic—update, March 20212021-05-21COVID-19’s impact on the financial health of Canadian businesses: An initial assessment
https://www.bankofcanada.ca/2021/05/staff-analytical-note-2021-8/
Despite COVID-19 challenges, bold policy measures in Canada have helped businesses manage cash flow pressures and kept insolvency filings low. But the impact of the pandemic has been uneven, and the financial health of some firms may further deteriorate over the next year.2021-05-10T10:00:09+00:00enCOVID-19’s impact on the financial health of Canadian businesses: An initial assessment2021-05-10Optimal Monetary and Macroprudential Policies
https://www.bankofcanada.ca/2021/05/staff-working-paper-2021-21/
Optimal coordination of monetary and macroprudential policies implies higher risk weights on (safe) bonds any time that banks are required to hold additional capital buffers. Coordination also implies a somewhat tighter monetary-policy stance whenever such capital buffers are released.2021-05-07T09:34:56+00:00enOptimal Monetary and Macroprudential Policies2021-05-07Credit and credit aggregatesFinancial stabilityFinancial system regulation and policiesInflation targetsMonetary policyStaff Working Paper 2021-21https://www.bankofcanada.ca/wp-content/uploads/2021/05/swp2021-21.pdfStaff Working Paper 2021-21Josef SchrothMay 2021EE4E44E6E60GG2G21G28