Impact of Credit Facilities and Contemporary Economic Environment on the Accessibility to Credit of Customers – Case Study In Binh Duong, Vietnam

IF 2.4 Q2 ECONOMICS

Contemporary Economics Pub Date : 2022-09-06 DOI:10.5709/ce.1897-9254.485

Nguyen Hong Thu, Dao Le Kieu Oanh, Do Thi Thanh Nhan

引用次数: 0

Abstract

Recently, accessibility to credit has become a global issue and need to be examined frequently that needs the attention of regulators and researchers. Thus, this study examines the credit facilities (the price of credit and reliability of credit sources) on the accessibility of customer credit at commercial banks in Binh Duong Province, Vietnam, in the context of the COVID-19COVID-19 pandemic. The study also examines the moderating role of the contemporary economic environment among the nexus of the price of credit, reliability of credit sources and accessibility of the credit of customers at commercial banks in Binh Duong Province. The findings suggested that the price of credit has negative while reliability of credit sources have a positive impact on the accessibility of the credit of customer at commercial banks. The results also revealed that the contemporary economic environment significantly moderates among the nexus of the price of credit, reliability of credit sources and accessibility of the credit of customers at commercial banks.

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信贷设施和当代经济环境对客户信贷可及性的影响——以越南平阳为例

最近，获得信贷已成为一个全球性问题，需要经常审查，需要监管机构和研究人员的关注。因此，本研究考察了在2019冠状病毒病大流行背景下，越南平阳省商业银行的信贷便利(信贷价格和信贷来源的可靠性)对客户信贷可及性的影响。该研究还审查了当代经济环境在平阳省商业银行信贷价格、信贷来源的可靠性和客户获得信贷的机会之间的关系中的调节作用。研究结果表明，信贷价格对商业银行客户的信贷可及性有负向影响，而信贷来源的可靠性对客户的信贷可及性有正向影响。研究结果还显示，当代经济环境显著调节了信贷价格、信贷来源可靠性和商业银行客户信贷可及性之间的关系。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Contemporary Economics ECONOMICS-

CiteScore

3.70

自引率

9.50%

发文量

审稿时长

24 weeks

期刊介绍： The mission of the Contemporary Economics is to publish advanced theoretical and empirical research in economics, finance, accounting and management with the noticeable contribution and impact to the development of those disciplines and preferably with practice relevancies. All entirety of methods is desirable, including a falsification of conventional understanding, theory building through inductive or qualitative research, first empirical testing of a theory, meta-analysis with theoretical implications, constructive replication that clarifies the boundaries or range of a theory for theoretical research as well as qualitative, quantitative, field, laboratory, meta-analytic, and combination for an empirical research. This clear priority for comprehensive manuscripts containing a methodology-based theoretical and empirical research with implications and recommendations for policymaking does not exclude manuscripts entirely focused on theory or methodology. Manuscripts that raise significant, actual topics of international relevance will be highly appreciated. The interdisciplinary approach including – besides economic, financial, accounting or managerial –also other aspects, is welcomed.