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A forensic analysis of credit activity in Croatia

The main goal of this research is to summarise the most relevant empirical, descriptive and anecdotal findings related to the potential determinants of credit demand and credit supply of households and corporates in Croatia. For that purpose, the results of the credit market disequilibrium model are combined with the information obtained from the bank lending survey (BLS) which has been conducted by the Croatian National Bank (CNB) since 2012 and the available information related to the domestic legal environment. The research ends with concluding considerations presented from the perspective of the scope of monetary policy to influence the revival of credit activity in the current phase of the economic cycle.

credit activity, households, corporate sector

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