COVID-19，银行存款和贷款

IF 2.1 2区经济学 Q2 BUSINESS, FINANCE Journal of Empirical Finance Pub Date : 2022-09-01 DOI:10.1016/j.jempfin.2022.05.003

H. Özlem Dursun-de Neef , Alexander Schandlbauer

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引用次数: 12

摘要

在大流行期间，由于流动性受到限制，家庭减少了支出，从而在其存款账户中积累了储蓄。这导致支出减少幅度较大的县的银行存款显著增加。银行又用这些额外的资金发放更多的房地产贷款。这意味着，可能影响家庭支出的政策将导致银行体系中存款量的变化，从而对银行的贷款供应产生影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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COVID-19, bank deposits, and lending

During the pandemic, households accumulated savings in their deposit accounts as a result of a reduction in their spending, which occurred due to the restrictions on their mobility. This led to a significant increase in bank deposits for banks located in counties with a larger reduction in spending. Banks, in turn, used these additional funds to issue more real estate loans. This implies that policies that might affect household spending would lead to changes in the volume of deposits in the banking system, which have consequences on banks’ loan supply.

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来源期刊

Journal of Empirical Finance Multiple-

CiteScore

3.40

自引率

3.80%

发文量

期刊介绍： The Journal of Empirical Finance is a financial economics journal whose aim is to publish high quality articles in empirical finance. Empirical finance is interpreted broadly to include any type of empirical work in financial economics, financial econometrics, and also theoretical work with clear empirical implications, even when there is no empirical analysis. The Journal welcomes articles in all fields of finance, such as asset pricing, corporate finance, financial econometrics, banking, international finance, microstructure, behavioural finance, etc. The Editorial Team is willing to take risks on innovative research, controversial papers, and unusual approaches. We are also particularly interested in work produced by young scholars. The composition of the editorial board reflects such goals.

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