kredietcycli
Kredietcycli refer to the recurring patterns of expansion and contraction in the availability and cost of credit within an economy. These cycles are driven by a complex interplay of factors, including changes in interest rates, lender and borrower behavior, economic growth prospects, and regulatory policies. During an expansionary phase of a credit cycle, credit becomes more readily available and often cheaper, encouraging borrowing and investment. This can fuel economic growth and asset price appreciation. However, if this expansion becomes excessive, it can lead to the buildup of unsustainable debt levels and asset bubbles.
Conversely, a contractionary phase sees credit becoming scarcer and more expensive. This can be triggered by