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Money, Lending and Spending: A Study of the UK Non-Financial Corporate Sector and Households

Many empirical studies over the past three decades or so have reported estimates of the determinants of consumption, investment and the demand for money. This article summarizes recent Bank work that seeks to understand more fully the demand for bank and building society loans, and the interactions between these borrowings and the demand for money and decisions to consume and invest. This work aims to enhance our understanding of the links between the monetary sector and real spending decisions.