http://wmd.hr/rjecnik-pojmovi-o/web/okvirni-kredit
Okvirni kredit (engl. credit line, njem. Kreditlinie, Kreditrahmen) ili kreditna linija je najčešće godišnji kreditni ugovor sklopljen između banke i poduzeća za ...
http://www.abcarticledirectory.com/Article/Off-Balance-Sheet...
Off Balance Sheet Credit Line

http://personal.lse.ac.uk/foote/creditlines.pdf
This paper focuses on why banks build up exposure to credit lines and how this can a¤ect new credit supply following a market shock. Traditional models of bank lending focus on standard, term loans, in which borrowers take the funds with certainty at the beginning of the contract. In reality, a signi…cant proportion of bank lending operates through credit lines. In these contracts, banks commit to lend, but funds are only drawn down if required by the …rm at a later date...
They provide evidence that banks with higher credit line exposure (more undrawn lines) had lower growth of new credit during the crisis.