新冠肺炎疫情期间的贷款需求

IF 1.3 Q3 BUSINESS

Journal of Developmental Entrepreneurship Pub Date : 2023-06-01 DOI:10.1142/s1084946723500127

Zana Beqiri Luma

{"title":"新冠肺炎疫情期间的贷款需求","authors":"Zana Beqiri Luma","doi":"10.1142/s1084946723500127","DOIUrl":null,"url":null,"abstract":"We analyze the effect of the COVID-19 outbreak on the demand for new loans across a nationally representative sample of over 10,000 firms in 45 countries. Loan demand decreases in response to the COVID-19 outbreak; however, this effect is heterogeneous across firms and countries. Small firms increase the demand for new loans whereas firms in economically more developed countries with better institutions make less loan applications following the start of the pandemic. Small firms face higher rejection rates resulting in less reliance on bank loans as a source of financing cash flow shortages. The implications of these findings together with future research directions are discussed.","PeriodicalId":46653,"journal":{"name":"Journal of Developmental Entrepreneurship","volume":" ","pages":""},"PeriodicalIF":1.3000,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"LOAN DEMAND DURING THE COVID-19 PANDEMIC\",\"authors\":\"Zana Beqiri Luma\",\"doi\":\"10.1142/s1084946723500127\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"We analyze the effect of the COVID-19 outbreak on the demand for new loans across a nationally representative sample of over 10,000 firms in 45 countries. Loan demand decreases in response to the COVID-19 outbreak; however, this effect is heterogeneous across firms and countries. Small firms increase the demand for new loans whereas firms in economically more developed countries with better institutions make less loan applications following the start of the pandemic. Small firms face higher rejection rates resulting in less reliance on bank loans as a source of financing cash flow shortages. The implications of these findings together with future research directions are discussed.\",\"PeriodicalId\":46653,\"journal\":{\"name\":\"Journal of Developmental Entrepreneurship\",\"volume\":\" \",\"pages\":\"\"},\"PeriodicalIF\":1.3000,\"publicationDate\":\"2023-06-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Developmental Entrepreneurship\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1142/s1084946723500127\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Developmental Entrepreneurship","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1142/s1084946723500127","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS","Score":null,"Total":0}

引用次数: 0

摘要

我们分析了新冠肺炎疫情对45个国家超过10000家公司的全国代表性样本的新贷款需求的影响。为应对新冠肺炎疫情，贷款需求减少；然而，这种影响在不同的公司和国家之间是不同的。小公司增加了对新贷款的需求，而经济较发达、机构较好的国家的公司在疫情开始后提出的贷款申请较少。小公司面临更高的拒绝率，导致对银行贷款的依赖减少，而银行贷款是现金流短缺的融资来源。讨论了这些发现的含义以及未来的研究方向。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

查看原文本刊更多论文

LOAN DEMAND DURING THE COVID-19 PANDEMIC

We analyze the effect of the COVID-19 outbreak on the demand for new loans across a nationally representative sample of over 10,000 firms in 45 countries. Loan demand decreases in response to the COVID-19 outbreak; however, this effect is heterogeneous across firms and countries. Small firms increase the demand for new loans whereas firms in economically more developed countries with better institutions make less loan applications following the start of the pandemic. Small firms face higher rejection rates resulting in less reliance on bank loans as a source of financing cash flow shortages. The implications of these findings together with future research directions are discussed.

求助全文

通过发布文献求助，成功后即可免费获取论文全文。去求助

来源期刊

Journal of Developmental Entrepreneurship BUSINESS-

CiteScore

2.10

自引率

0.00%

发文量

期刊介绍： The Journal of Developmental Entrepreneurship (JDE) provides a forum for the dissemination of descriptive, empirical, and theoretical research that focuses on issues concerning microenterprise and small business development, especially under conditions of adversity. The intended audiences for JDE are scholars who study issues of developmental entrepreneurship and professionals involved in governmental and non-governmental efforts to facilitate entrepreneurship in economic and community development programs around the world. Articles will cover a broad range of topics, including: -Entrepreneurship and self-employment in developing contexts -Challenges and opportunities unique to minority and women entrepreneurs -Microenterprise funds and private-sector small business lending practices -Legislation, regulation, and tax policy that impact entrepreneurship and economic development -Processes that facilitate growth and development within emerging enterprises -Networks within and among entrepreneurial ventures -Marketing patterns and approaches in venture growth and development -International developmental entrepreneurship programs -Entrepreneurship in the informal economic sector -Education and training for aspiring entrepreneurs -Industry practices that adversely affect microenterprise development -Economic and social impacts of microenterprise activity