新冠肺炎大流行期间的银行弹性和政府应对措施:来自尼日利亚的证据

Q1 Social Sciences
Taofeek Sola Afolabi, Thomas Duro Ayodele, Oyinlola Morounfoluwa Akinyede, Olanrewaju David Adeyanju, Harley Tega Williams
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引用次数: 0

摘要

在全球大流行期间,银行需要通过金融技术改善服务提供。抗击新冠肺炎是社会责任,银行在向所有利益攸关方提供资金方面发挥的作用对当代人类至关重要。本研究调查了政府应对COVID-19对银行抵御能力的影响。使用多元结构方程模型(SEM)来指定外生因素(政府的社会和金融反应)与内生变量(银行客户,员工和投资者的弹性)之间的联系。采用研究调查的方法,对543名受访者进行了抽样调查。一份自编的在线调查问卷收集了所选银行的客户、员工和投资者的反馈。分析结果表明,政府的社会反应与银行客户的弹性之间存在显著的关系。然而,政府的社会反应与其他弹性指标(雇员和投资者)之间并不存在这种关系。此外,结果表明,政府的金融反应不影响银行的弹性。该研究得出的结论是,政府在2019冠状病毒病大流行期间的社会反应影响了尼日利亚银行客户的抵御能力。作为政策的一部分,建议银行开发工具,以补充政府在大流行病期间采取的行动,从而减轻疫情对其客户的影响。作者感谢所有参与本次调查的受访者。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Banking resilience and government response during the COVID-19 pandemic: Evidence from Nigeria
In a global pandemic, there is a need for banks to improve service delivery through financial technologies. Since the fight against COVID-19 is the community responsibility, the role of banks in channeling cash to all stakeholders is essential for the contemporary human race. This study investigated the impact of the government response to COVID-19 on the resilience of banks. A multivariate Structural Equation Model (SEM) was used to specify the links between the exogenous factors (government’s social and financial responses) and the endogenous variables (resilience of bank customers, employees and investors). A research survey approach was used where 543 respondents were sampled. A self-constructed online questionnaire was used to harvest responses from customers, employees and investors of the selected banks. The result of the analysis showed a significant relationship between government’s social response and the resilience of bank customers. However, such a relationship does not hold between government’s social responses and other resilience indicators (employees and investors). Furthermore, the result revealed that government’s financial responses do not affect the resilience of banks. The study concluded that the government’s social response during the COVID-19 pandemic influenced bank customers’ resilience in Nigeria. It was recommended that banks, as part of the policy, develop tools to complement government actions during the pandemic, thereby ameliorating its impact on their customers. AcknowledgmentThe authors will like to acknowledge all respondents who took part in the survey.
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来源期刊
Banks and Bank Systems
Banks and Bank Systems Social Sciences-Law
CiteScore
2.60
自引率
0.00%
发文量
60
审稿时长
11 weeks
期刊介绍: The journal focuses on the results of scientific researches on monetary policy issues in different countries and regions all over the world. It also analyzes the activities of international financial organizations, central banks, and bank institutions. Key topics: -Monetary Policy in Different Countries and Regions; -Monetary and Payment Systems; -International Financial Organizations and Institutions; -Monetary Policy of Central Banks; -Organizational Structure, Functions and Activities of Central Banks; -State Policy and Regulation of Banking; -Bank Competitiveness; -Banks at the Financial Markets; -Bank Associations and Conglomerates; -International Payment Systems; -Investment Banking; -Financial Risks and Risk Management in Banks; -Capital and Ownership Structure, Bankruptcy and Liquidation, Mergers and Acquisitions of Banks; -Corporate Governance and Goodwill; -Personnel Management in Banks; -Econometric, Statistical Methods; Econometric Modeling of Bank Activities; -Bank Ratings.
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