DEFINITION of 'Bank Lending Survey'

A questionnaire circulated by a country's central banking authority to help clarify their understanding of the overall lending environment. Typical bank lending surveys include questions about the number of loans made, the interest rates on loans, demand for new loans, default rates, differences between commercial and retail lending, and information on a bank's existing loan and financial portfolios. Surveys are typically circulated quarterly, but may be circulated more or less frequently depending on a central bank's role in regulating lending and the overall state of the economy.

BREAKING DOWN 'Bank Lending Survey'

In the United States, the Federal Reserve circulates its primary bank lending survey quarterly, with the results being used to help shape the Federal Reserve's overall monetary policy. Participating banks typically have two weeks from the receipt of a survey to complete and return. Summaries of the questions and answers can be viewed online at the Federal Reserve's official website.

RELATED TERMS
  1. Excess Loans

    A loan made by a state chartered or national bank to an individual ...
  2. Country Exposure Lending Survey

    A periodic survey published by the Interagency Country Exposure ...
  3. Loan Committee

    The lending or management committee of a bank or other lending ...
  4. Federal Reserve Credit

    Refers to the process of the Federal Reserve lending funds on ...
  5. Lending Freeze

    A period of time when banks either do not have excess money to ...
  6. Currency In Circulation

    Currency that is physically used to conduct transactions between ...
Related Articles
  1. Insights

    How Central Banks Control the Supply of Money

    A look at the ways central banks pump or drain money from the economy to keep it healthy.
  2. Tech

    What Goldman Sachs’s Online Lending Means For Banking

    Recently Goldman Sachs has announced its entry into the online lending space. Most commonly known as an investment bank, Goldman’s newest venture may provide insight into the future of online ...
  3. Insights

    Overnight Rate

    Learn about how banks use this interest rate when lending to other banks.
  4. Financial Advisor

    Why Banks Don't Need Your Money to Make Loans

    Contrary to the story told in most economics textbooks, banks don't need your money to make loans, but they do want it to make those loans more profitable.
  5. Investing

    Eyeing a Loan? Consider Skipping the Banks

    Peer-to-peer lending platforms, such as Lending Tree, Lending Club and Prosper, offer borrowers newfound leverage. Here's a look.
  6. Small Business

    Lending Clubs: Better Than Banks?

    If you need to borrow money and your credit is making it tough, this new option may be just what you're looking for.
  7. Insights

    Lending Slowdown Casts Shadow Over Economy, Banks

    Dead Money: Business loans are growing at the slowest pace in nearly six years amid rising rates
  8. Personal Finance

    How Banks Set Interest Rates on Your Loans

    Many factors go into how banks set interest rates for loans. Use this information to negotiate the best possible rate when you're borrowing.
  9. Insights

    Forces Behind Interest Rates

    Get a deeper understanding of the importance of interest rates and what makes them change.
RELATED FAQS
  1. What impact does the Federal Reserve have on a bank's profitability?

    Learn how the Federal Reserve impacts a bank's profitability with its influence on the discount rate, federal funds rate ... Read Answer >>
  2. How do commercial banks make money?

    Learn the different ways commercial banks make money, including interest from loan products and banking fees charged to customers. Read Answer >>
  3. What economic indicators are important to consider when investing in the banking ...

    Find out which economic indicators are most useful for investors in the banking sector, especially those influenced by central ... Read Answer >>
  4. What are the major categories of financial institutions and what are their primary ...

    Understand the various types of financial institutions that exist in today's economy, and learn the purpose each serves in ... Read Answer >>
  5. What are the implications of a high Federal Funds Rate?

    Learn the implications of a high federal funds rate, which include constriction of the money supply, a stronger dollar and ... Read Answer >>
  6. Who do hedge funds lend money to?

    Discover the various entities that hedge funds are lending to, and the reasons why these hedge funds have been providing ... Read Answer >>
Hot Definitions
  1. Fintech

    Fintech is a portmanteau of financial technology that describes an emerging financial services sector in the 21st century.
  2. Ex-Dividend

    A classification of trading shares when a declared dividend belongs to the seller rather than the buyer. A stock will be ...
  3. Debt Security

    Any debt instrument that can be bought or sold between two parties and has basic terms defined, such as notional amount (amount ...
  4. Taxable Income

    Taxable income is described as gross income or adjusted gross income minus any deductions, exemptions or other adjustments ...
  5. Chartered Financial Analyst - CFA

    A professional designation given by the CFA Institute (formerly AIMR) that measures the competence and integrity of financial ...
  6. Initial Coin Offering (ICO)

    An Initial Coin Offering (ICO) is an unregulated means by which funds are raised for a new cryptocurrency venture.
Trading Center