Comparability
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Government Finances, Economic StatisticsJesper Søgaard Dreesen
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There are statistics back to 1999 on consumer credit. The population is defined for relatively few units, causing some sensitivity to the constant changes in the population. This adjustment is a result of new players and where companies no longer meet the requirements to be included in the statistics.
Comparability - geographical
These statistics can be compared with international statistics covering consumer credit provided by companies and banks.
Comparability over time
Companies included in the statistics can change over time when companies are included or fall out of the population due to a possible industry changes or shutdowns. From 1st to 2nd quarter 2014, there has been a decline the consumer credit, due to a change in the number of business in the sector for non-bank consumer credit companies. Had the number of business been unchanged, the drop would only have been 0.1 per cent instead of the observed 8 per cent. Particularly, the non-bank consumer credit in the shape of blank credits as well as credit card lending has been affected by the change.
Coherence - cross domain
Consumer credit provided by the banking sector is comparable to statistics from Danmarks Nationalbank under the topic Banks.
Coherence - internal
The yearly statistics for finance companies include stock sizes for loans corresponding to this statistic - i.e. Purchase and credit cards, loans and credit agreements against collateral. However, there is no direct comparability between the four quarters of these statistic and the figures for finance companies, as the populations are not the same. The statistics for finance companies are also aimed at lending to business.