Оценка на факторите, влияещи върху жилищното и потребителското кредитиране в България
Evaluation of the factors influencing household lending in Bulgaria

Summary/Abstract: Consumer and housing lending are an expression of one of the significant functions of Bulgaria's banking system. The development of housing and consumer lending has a magnitude in several societal systems, making any changes related to household lending of significant interest to society, government authorities and regulators. The object of the study is bank housing and consumer lending. The aim is to identify and assess the factors influencing household lending. In this regard, a critical analysis of the econometric models used to estimate and identify the factors in the area of household lending is carried out. The time horizon of the historical data of the econometric analysis is the period 2004-2020, covering an entire economic cycle.

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