新型冠状病毒肺炎、银行存款与放贷
COVID-19, bank deposits, and lending.
作者信息
Dursun-de Neef H Özlem, Schandlbauer Alexander
机构信息
Goethe University Frankfurt, Theodor-W.-Adorno-Platz 3, 60629 Frankfurt am Main, Germany.
University of Southern Denmark and Danish Finance Institute, Campusvej 55, 5230 Odense, Denmark.
出版信息
J Empir Finance. 2022 Sep;68:20-33. doi: 10.1016/j.jempfin.2022.05.003. Epub 2022 Jun 2.
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.
在疫情期间，家庭因行动受限导致支出减少，从而在其存款账户中积累了储蓄。这使得支出降幅较大的县的银行存款大幅增加。相应地，银行利用这些额外资金发放了更多房地产贷款。这意味着，可能影响家庭支出的政策会导致银行系统存款量的变化，进而对银行的贷款供应产生影响。
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