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학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
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연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
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Purpose: The issue of access to credit for private enterprises has been given an increased amount of attention given their crucial role in fueling economic growth. Vietnamese small and medium-sized businesses, however, face many obstacles in accessing financing for profitable investment opportunities, with up to 70% unable to access or obtain bank loans. This paper aims to address the factors affecting the credit accessibility of Vietnamese enterprises, and provide further insights of this issue under the new context of Basel II. Research design, data and methodology: We adopt a pooled sections approach to construct a sample of 155 firm observations before and after the implementation of Basel II accord in Vietnam and employing binary logistic regression and interaction terms for data analysis. Results: We find that firm characteristics (export participation, female ownership) and proxies for bank-borrower relationship (deposit, overdraft facility) have significant and positive effects on firm’s access to credit. Notably, the sign of interaction coefficient shows that the implementation of Basel II tends to benefit small-sized firms in terms of credit accessibility. Conclusions: The finding further emphasizes the important role of relationship lending in Vietnam’s credit market, which is even more critical for small firms when Basel II is universally applied as the new banking standards in the coming years.
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참고문헌 (38)
참고문헌 신청
Abdullah, M. A. / 2011 / Small and Medium Enterprises and Their Financing Patterns : Evidence from Malaysia / Journal of Economic Cooperation & Development 32(2):1~18
Ai, C. / 2003 / Interaction terms in logit and probit models / Economics letters 80(1):123~129
Edward I. Altman / 2005 / Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs / Journal of Financial Services Research 28(1-3):15~42
Elizabeth Asiedu / 2013 / Access to Credit by Firms in Sub-Saharan Africa: How Relevant is Gender? / American Economic Review 103(3):293~297
Thorsten Beck / 2018 / When arm's length is too far: Relationship banking over the credit cycle / Journal of Financial Economics 127(1):174~196
Ai, C. / 2003 / Interaction terms in logit and probit models / Economics letters 80(1):123~129
Edward I. Altman / 2005 / Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs / Journal of Financial Services Research 28(1-3):15~42
Elizabeth Asiedu / 2013 / Access to Credit by Firms in Sub-Saharan Africa: How Relevant is Gender? / American Economic Review 103(3):293~297
Thorsten Beck / 2018 / When arm's length is too far: Relationship banking over the credit cycle / Journal of Financial Economics 127(1):174~196
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