Credito Emiliano S.p.A. (Credem) is an Italian bank based in Reggio Emilia, Emilia-Romagna.

[3] Credem has received widespread media attention because it stores wheels of Parmigiano Reggiano cheese as collateral for loans.

[4][5] Founded in 1910 as Banca Agricola Commerciale di Reggio Emilia, the bank changed its name to Credito Emiliano in 1983.

At that time the bank also acquired Banca Belinzaghi of Milan, starting its expansion.

[8] Credito Emiliano has received widespread publicity from major organizations such as Forbes, because they hold wheels of Parmigiano Reggiano cheese as collateral for debt, as opposed to holding assets such as gold.