Germans Cut Back On Credit

This news to the effect that German consumers actually reduced their outstanding debt is deeply significant in my view. What it reflects is what needs to be analysed:

German private households ignored the attractions of historically-low interest rates and for the first time paid back more money than they borrowed last year.

The net credit repayment reported by the Bundesbank, Germany’s central bank, on Monday reflected the high level of consumer insecurity in Europe’s largest economy. It contrasted with the strong credit growth in other European countries, which has boosted consumer spending.

?There is nowhere else where a country comes even close to such weak growth rates,? said Julian Callow, economist at Barclays Capital.

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About Edward Hugh

Edward 'the bonobo is a Catalan economist of British extraction. After being born, brought-up and educated in the United Kingdom, Edward subsequently settled in Barcelona where he has now lived for over 15 years. As a consequence Edward considers himself to be "Catalan by adoption". He has also to some extent been "adopted by Catalonia", since throughout the current economic crisis he has been a constant voice on TV, radio and in the press arguing in favor of the need for some kind of internal devaluation if Spain wants to stay inside the Euro. By inclination he is a macro economist, but his obsession with trying to understand the economic impact of demographic changes has often taken him far from home, off and away from the more tranquil and placid pastures of the dismal science, into the bracken and thicket of demography, anthropology, biology, sociology and systems theory. All of which has lead him to ask himself whether Thomas Wolfe was not in fact right when he asserted that the fact of the matter is "you can never go home again".

3 thoughts on “Germans Cut Back On Credit

  1. I have a very good idea what this means. Or even better, what it implies about future expectations.

    Could it be the German public is getting aware or is it just a general feeling of insecurity?

  2. “Deflation here we come.”

    Sorry (LoL) the only thing I can manage is hysterical laughter, it’s so obvious isn’t it.

    I really don’t know whether to laugh or cry.

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