银行危机与小额信贷机构的表现

IF 5.4 2区 经济学 Q1 BUSINESS, FINANCE
Valentina Hartarska , Denis Nadolnyak , Rui Chen
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引用次数: 0

摘要

银行业危机对银行及其客户都有影响,但对服务于被排除在正规金融体系之外的边缘化人群的小额信贷机构(mfi)的影响仍未得到充分探讨。本研究利用来自123个国家1746家机构的面板数据,考察了银行业危机对小额信贷机构的影响,其中包括5个在2004年至2017年间经历过危机的国家。尽管现有数据有限,但分析显示,大多数小额信贷机构在财务业绩或外联方面没有受到不利影响,它们也没有表现出偏离传统客户群的使命。然而,小额信贷银行——小额信贷机构的一个分支——在银行业危机期间确实经历了使命漂移。研究结果表明,小额信贷机构的韧性源于其独特的特点,并专注于经常在非正规或半正规经济中经营的边缘化客户。该研究强调了小额信贷部门的弹性和小额信贷银行的潜在脆弱性,为捐助者和利益相关者提供了见解。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Banking crises and the performance of microfinance institutions
Banking crises affect both banks and their clients, yet their impact on microfinance institutions (MFIs) that serve marginalized populations excluded from the formal financial system remains underexplored. This study examines the effects of banking crises on MFIs using panel data from 1,746 institutions across 123 countries, including five that experienced crises between 2004 and 2017. Despite limitations in the available data, the analysis reveals that most MFIs did not suffer adverse effects on financial performance or outreach, nor did they exhibit mission drift away from their traditional client base. However, microfinance banks—a subset of MFIs—did experience mission drift during banking crises. The findings suggest that MFIs’ resilience stems from their unique characteristics and focus on marginalized clients who often operate within the informal or semi-formal economy. The study highlights the resilience of the microfinance sector and the potential vulnerabilities among microfinance banks, offering insights for donors and stakeholders.
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来源期刊
CiteScore
6.60
自引率
10.00%
发文量
142
期刊介绍: International trade, financing and investments, and the related cash and credit transactions, have grown at an extremely rapid pace in recent years. The international monetary system has continued to evolve to accommodate the need for foreign-currency denominated transactions and in the process has provided opportunities for its ongoing observation and study. The purpose of the Journal of International Financial Markets, Institutions & Money is to publish rigorous, original articles dealing with the international aspects of financial markets, institutions and money. Theoretical/conceptual and empirical papers providing meaningful insights into the subject areas will be considered. The following topic areas, although not exhaustive, are representative of the coverage in this Journal. • International financial markets • International securities markets • Foreign exchange markets • Eurocurrency markets • International syndications • Term structures of Eurocurrency rates • Determination of exchange rates • Information, speculation and parity • Forward rates and swaps • International payment mechanisms • International commercial banking; • International investment banking • Central bank intervention • International monetary systems • Balance of payments.
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