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Commercial and Industrial Loans

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Commercial and Industrial Loans (C&I)
Loans made to corporations and other business enterprises for commercial or industrial purposes. Does not include loans secured by real estate.


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While development and construction loans have decreased, with loans for projects being built on speculation pretty much disappearing, Mehlum said, Summit has been focusing more on commercial and industrial loans, such as owner- occupied commercial real estate loans and equipment credit lines.
Evidence that current lending standards are unusually tight comes from the Senior Loan Officer Survey, which asks officers of large banks how their credit standards for commercial and industrial loans or credit lines have changed over the past quarter.
A small net fraction of banks reported easing their lending standards on commercial and industrial loans to large and medium-sized businesses, marking the first time this has occurred in two consecutive quarters since 2006, data from the Fed's April "Senior Loan Officer Opinion Survey on Bank Lending Practices" showed.
 
 
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