Central bank interest rate changes transmit directly to commercial banking sector rates

the verdict

SUPPORTED

the evidence backs this

Recorded sources

3 sources for · 0 against

Counts group repeated records of the same source within each side. They do not measure evidence strength or source independence.

Economic literature and empirical evidence demonstrate that central bank interest rate changes transmit to commercial banking sector lending and deposit rates, though the speed and magnitude can vary depending on institutional structures and market conditions.

The analysis

The claim posits that central bank interest rate changes transmit directly to commercial banking sector rates. Papers [0], [1], and [8] provide empirical and theoretical support showing that monetary policy changes pass through to bank lending and deposit rates, confirming the transmission channel. Other papers in the set are on unrelated topics such as blockchain, digital assets, or firm-level financial statements.

Evidence for · 3

The Pass-Through from Market Interest Rates to Bank Lending Rates in Germany

Recorded source metadata

Mark Andreas Weth. The Pass-Through from Market Interest Rates to Bank Lending Rates in Germany. 2002. https://doi.org/10.2139/ssrn.320112

This study analyzes how bank lending rates adjust to changes in money and capital market rates, demonstrating a long-run pass-through from central bank policy to commercial bank terms.

Source citation format

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More for · 2

Monetary Policy in India

Recorded source metadata

Sonali Das. Monetary Policy in India. 2015. https://doi.org/10.5089/9781513598796.001

The analysis finds a significant, albeit sometimes slow, pass-through of policy rate changes to commercial bank interest rates in India.

Source citation format

The Combined Effect of CCyB Release and Monetary Policy Easing: Theory and Evidence Based on the Covid- 19 Crisis

Recorded source metadata

Jude C, Levieuge G. The Combined Effect of CCyB Release and Monetary Policy Easing: Theory and Evidence Based on the Covid- 19 Crisis. 2023. https://doi.org/10.2139/ssrn.4472066

This research evaluates how monetary policy easing directly influences bank lending rates, confirming the transmission mechanism through a macroeconomic model and empirical analysis.

Source citation format

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first checked01 Aug 2026

judged → SUPPORTED · 8501 Aug 2026

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