压力测试银行的数字能力:来自COVID-19大流行的证据

IF 3.9 2区经济学 Q1 Economics, Econometrics and Finance

Journal of Financial and Quantitative Analysis Pub Date : 2023-09-25 DOI:10.1017/s0022109023000662

Alan Kwan, Chen Lin, Vesa Pursiainen, Mingzhu Tai

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引用次数: 1

摘要

在2019冠状病毒病大流行期间，银行的信息技术(IT)能力影响了它们为客户提供服务的能力，这产生了意想不到的前所未有的冲击，使银行服务从面对面转向数字化。在流动性受限的情况下，拥有更好IT的银行实体分行访问量大幅减少，网站流量大幅增加，这意味着向数字银行的更大转变。实力较强的IT银行能够向小企业借款人发放更多的工资保护计划贷款，特别是在COVID-19疫情更严重、互联网使用率更高、银行竞争更激烈的地区。在疫情期间，这些银行还吸引了更多的存款流量，并获得了更好的移动客户评价。

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Stress Testing Banks’ Digital Capabilities: Evidence from the COVID-19 Pandemic

Abstract Banks’ information technology (IT) capabilities affect their ability to serve customers during the COVID-19 pandemic, which generates an unexpected and unprecedented shock that shifts banking services from in-person to digital. Amid mobility restrictions, banks with better IT experience larger reductions in physical branch visits and larger increases in website traffic, implying a larger shift to digital banking. Stronger IT banks are able to originate more Paycheck Protection Program loans to small business borrowers, especially in areas with more severe COVID-19 outbreaks, higher internet use, and higher bank competition. Those banks also attract more deposit flows and receive better mobile customer reviews during the pandemic.

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来源期刊

Journal of Financial and Quantitative Analysis Multiple-

CiteScore

6.60

自引率

5.10%

发文量

131

期刊介绍： The Journal of Financial and Quantitative Analysis (JFQA) publishes theoretical and empirical research in financial economics. Topics include corporate finance, investments, capital and security markets, and quantitative methods of particular relevance to financial researchers. With a circulation of 3000 libraries, firms, and individuals in 70 nations, the JFQA serves an international community of sophisticated finance scholars—academics and practitioners alike. The JFQA prints less than 10% of the more than 600 unsolicited manuscripts submitted annually. An intensive blind review process and exacting editorial standards contribute to the JFQA’s reputation as a top finance journal.