Central Credit Register Report


The Central Credit Register (CCR) Report sets out the most salient aspects of the activity of this service during 2020. The CCR is a public service managed by the Banco de España which collects individual information on most of the outstanding loans granted by banks to their customers, whether natural or legal persons, with two main aims:

i) To provide the reporting banks with information on the overall credit exposures of their customers (both at the bank and at other reporting banks) and of potential new borrowers (at other reporting banks) so that the banks can analyse the risk of their transactions.

ii) To enable the exercise of supervision and inspection tasks and of the other functions entrusted by law to the Banco de España.

The CCR is one of the Banco de España’s services most in demand by the public.

The Report explains why the CCR is an essential tool for managing economic activity, especially after the health crisis caused by the COVID-19 pandemic. The CCR information has allowed economic authorities to monitor, practically in real time, the roll-out of government measures.

Additionally, the Report includes statistical information on:

  • The characteristics of the reported transactions, the borrowers and the banks which granted the financing. During 2020, there was an increase in the number of both transactions (amounting to more than 48.7 million) and reported borrowers (over 20.8 million).
  • The credit reports provided to reporting banks and borrowers. During 2020, more than 5 million credit reports were provided, of which 473,000 were requested directly by borrowers (firms and individuals).
  • Borrowers’ requests for the correction or deletion of data (colloquially known as claims to the CCR) which amounted to 5,348 during 2020.

The Report also sets out the Banco de España’s initiatives to improve the availability of CCR data, in view of the growing interest of both internal users and external researchers and organisations. First, by using big data technologies for processing and analysing the information and, second, by making these high quality micro data available to researchers through the Banco de España’s data laboratory (BELab)Abre en ventana nueva and the signing of agreements to define and specify the data to be provided, along with the limitations on their use.

Lastly, it describes the participation of the Banco de España in the Eurosystem’s AnaCredit project, launched in 2018, to create a harmonised database of individual bank loans.

Have a look at the ReportAbre en ventana nueva to find information on matters of interest to you.

You can also watch this videoAbre en ventana nueva.

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