Centralbanklån

Centralbanklån refers to loans that a central bank provides to commercial banks or other financial institutions. These loans are a crucial tool for central banks to manage the money supply, influence interest rates, and ensure the stability of the financial system. Typically, central banks lend funds to commercial banks through various mechanisms, such as overnight lending facilities or longer-term refinancing operations. The interest rate charged on these centralbanklån is often a key policy rate, influencing borrowing costs throughout the economy.

When commercial banks face temporary liquidity shortages, they can borrow from the central bank to meet their reserve requirements or to facilitate their lending activities. This lending function helps to prevent short-term disruptions in the banking system and ensures that credit continues to flow to businesses and individuals. The collateral required for centralbanklån usually consists of high-quality assets, such as government bonds. By adjusting the availability and cost of centralbanklån, central banks can steer overall credit conditions, impacting inflation and economic growth. This process is a fundamental aspect of monetary policy implementation.