应对全球经济危机的银行业:Covid-19大流行与2008年经济衰退的比较

Putri Andari Ferranti, Riska Rosdiana, I. Raharja
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引用次数: 0

摘要

在过去的二十年中,印度尼西亚发生了两次主要的全球经济危机,其起源非常不同,2008年的全球金融危机是由国际银行的失败引起的,而2020年的全球流行病危机是由全球传染病导致的经济放缓引起的。以往的研究表明,金融危机更倾向于消耗资本,而不会减缓信贷分配,从而面临更大的流动性不足风险,而大流行危机则相反,银行扣留资本过多,分配资本过少,导致盈利能力下降。我们发现,在两次危机期间,CAR、LDR、NPL和ROA作为资本、流动性和盈利能力指标的持续变化没有显著差异。关键词:银行业,流行病,经济危机。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Banking against Global Economic Crisis: Comparison of Covid-19 Pandemic and 2008 Recession
In the last twenty years, there has been two major global economic crises in Indonesia with very different origin, the 2008 global financial crisis was induced by failure of international banks while the 2020 global pandemic crisis was induced by economic slowdown due to worldwide infectious disease. Previous researches implied that the financial crisis had more tendency to deplete capital without slowing down credit distribution thus facing bigger risk of illiquidity while it had the opposite effect on the pandemic crisis where banks withhold their capital too much and distributed too little leading to less profitability. We found that the persistence of changes of CAR, LDR, NPL, and ROA as capital, liquidity, and profitability measures during both crises don’t differ significantly. Keywords: Banking, pandemic, economic crisis. 
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