Kreditvilja
Kreditvilja is a term used in economics and finance to describe the willingness of lenders, particularly banks, to extend new credit to borrowers. It represents the supply side of the credit market and is distinct from kreditbehov or kreditefterfrågan, which refers to borrowers’ demand for credit. Kreditvilja captures how easily banks are prepared to approve loans and offer favorable terms, given prevailing risk, profitability, and capital conditions.
The level of kreditvilja is influenced by several factors. Profitability expectations and risk appetite determine how
Measurement of kreditvilja often relies on bank lending surveys, which ask institutions about changes in lending
In policy and macroeconomic analysis, kreditvilja interacts with monetary policy and financial stability considerations. A decline