交错贷款:在全球突发卫生事件中为中小企业提供长期融资的灵活方式

IF 3.2 Q1 BUSINESS, FINANCE
S. C. Rambaud, J. L. Pascual, Emilio M. Santandreu
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引用次数: 0

摘要

背景:本文的背景是由于Covid-19及其变体引起的大流行,世界各国已经并仍在经历前所未有的全球形势。除了重要的人口健康问题外,所有国家都面临着其主要经济指标的急剧下降:股票指数、国内生产总值、就业率、企业倒闭等。结果:在本文中,我们提出并数学分析了所谓的交错贷款作为中小企业在危机时期应用的有用工具。此外,它们的优点和缺点以及贷方和借款人的优势都得到了强调。具体来说,这种贷款可以帮助解决目前为减少通货膨胀而进行的货币政策所导致的信贷稀缺问题。政策影响:考虑到这种经济状况不可能长期持续,许多国家正在考虑受影响经济体所有部门摆脱危机的下一阶段。目的:在这项研究中,我们试图提供一些关于所谓的交错贷款的特点和拉丁美洲一些小额信贷机构所采用的还款制度的信息。这可以帮助中小企业获得重新开业和发展其活动所必需的流动性。方法:在方法上,我们提出了基于风险的措施,能够保证贷款人的盈利能力和控制贷款人和借款人的偿付能力。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Staggered loans: A flexible modality of long-term financing for SMEs in global health emergencies
Context: The context of this paper is the unprecedented global situation which has been and is still experiencing all countries all over the world, due to the pandemic caused by Covid-19 and its variants. Apart from the important problem of health population, all countries are facing a sharp reduction in their main economic indicators: stock indices, GDP (Gross Domestic Product), rates of employment, closing down of businesses, etc. Results: In this paper, we have presented and mathematically analyzed the so-called staggered loans as a useful tool for SMEs to be applied after times of crisis. Moreover, their pros and cons, and the advantages for lenders and borrowers have been highlighted. Specifically, this kind of loan can help solve the problem of the scarce offer of credit due to monetary politics currently addressed to reduce inflation. Policy implications: Taking into account that this economic situation cannot continue for longtime, many countries are thinking about the next stages of the way-out from the crisis in all sectors of affected economies. Purpose: In this research, we seek to provide some information on the characteristics of the so-called staggered loans and the repayment system applied by some microfinance institutions in Latin America. This can help SMEs to obtain the liquidity necessary to reopen and develop their activity. Methods: Methodologically, we have presented risk-based measures able to guarantee the profitability of lenders and control the solvency of lenders and borrowers.
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来源期刊
CiteScore
0.30
自引率
1.90%
发文量
14
审稿时长
12 weeks
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