The Factors Influencing Bank Credit Capital Accessibility of Enterprises in Hanoi in the Context of the Covid Pandemic

• Autorzy: Hien Nguyen Thi Dieu , Huong Nguyen Thi Mai

Identyfikatory

DOI

10.15439/2021KM55

• Języki publikacji: PL

Abstrakty

EN

Lack of funds and difficulty to access formal loans from banks are problems faced by Vietnamese enterprises in general and Hanoi enterprises in particular. There have been many domestic and international studies on accessing bank credit capital. While the research works focused on the analysis from a corporate perspective, no specific corporate disclosure has been made in Hanoi, in the context of the Covid pandemic. This study aims to identify the important factors affecting access to bank credit capital in Hanoi, through interviews with 200 customers, and to use a quantitative study method (linear regression). The results showed that there were five factors affecting access to bank credit capital in Hanoi: (1) Economic background, (2) Secured Assets (3) Business Plan, (4) Productivity and (5) the relationship between companies with banks.

Słowa kluczowe

PL

kredyt; dostęp; kapitał kredytowy; przedsiębiorstwo

EN

credit; access; credit capital; enterprise

• Wydawca: Polskie Towarzystwo Informatyczne
• Czasopismo: Annals of Computer Science and Information Systems
• Rocznik: 2021
• Tom: Vol. 28
• Strony: 135--140
• Opis fizyczny: Bibliogr. 19 poz., tab., wykr.

Twórcy

autor

Hien Nguyen Thi Dieu

• Hanoi University of Industry, Bac Tu Liem District, Hanoi, Vietnam

autor

Huong Nguyen Thi Mai

• University of Economics and Business Vietnam National University, Hanoi

Bibliografia

• 1. General Statistics Office of Vietnam, The number of new start-up registrations plunged in September 2021, 2021, http://www.gso.gov.vn/du-lieu-va-so-lieu-thong-ke/2021/10/doanh-nghiep-dang-ky-thanh-lap-moi-sut-giam-manh-trong-thang-9-va-9-thang-nam-2021/
• 2. V.T Nguyen, “Banking Credentials Textbook”, Ha noi, Publisher statistics, 2013.
• 3. T. Beck, & A. Demirguc-Kunt, “Small-medium enterprise sector: access to finance as a growth constraint”, 2006, Journal of Finance and Banking,. 30(11), 2931-2943.
• 4. Ricardo N. Bebczuk, “What Determines the Access to Credit by SMEs in Argentina?”, 2014, Department of Economics, Universidad Nacional de La Plata, Argentina, 48, pp15-30.
• 5. Y. Qian,, Y. Tian, and T.S Wirjanto, “Do Chinese publicly listed companies adjust their capital structure toward a target level?”, 2009, China Economic Review, Vol. 20, No. 4, pp. 662676.
• 6. V.T Thanh , Small and Medium enterprise access to finance in Vietnam, 2011, Central Institute for Economic and Management, Chapter 6.
• 7. F.A Ajagbe, “Features of small scale enterpreneur and access to credit in Nigeria: a microanalysis”, 2012, American Journal Of Social And Management Sciences, Pages 39- 44.
• 8. H. Khalid Abdesamed and K.A Wahab, “Financing of Small and Medium Enterprises (SMEs) in Libya: Determinants of Accessing Bank Loan”, 2014 Middle-East Journal of Scientific Research, 21 (1), pp. 113-122, 2014 ISSN 1990-9233
• 9. D.T.H Thuong , “Factors affecting access to loans by small and medium-sized enterprises in Hanoi”, 2016, Doctor of Economics Philosophy, Foreign Trade University, Ha noi.
• 10. E.F Fama and K.R French, “Testing Trade-Off and Pecking Order Predictions About Dividends and Debt”, 2002, Review of Financial Studies, Vol. 15, No.1, pp. 1-336.
• 11. J.J Chen, “Determinants of capital structure of Chinese-listed companies”. 2004, Journal of Business Research, Vol. 57, pp. 1341-1351.
• 12. K.N Tran Dinh, & Ramachandran, N., “Capital Structure in Small and Medium-sized Enterprises”, 2006, ASEAN Economic Bulletin, Vol. 23, No. 2, pp. 192-211.
• 13. Gamage and Pandula, “Bank Finance For Small And Medium-Sized Enterprises In Sri Lanka: Issues And Policy Reforms”, 2015. Studies in Business and Economics. Vol. 18, No. 1, pp. 98 - 112.
• 14. D.T.H Thương , “Factors Influencing Small and Medium Businesses' Access to Loans”, 2015, Economic and Forecasting Journal of Forecasts, Vol.10, No.1, pp..15- 18.
• 15. W. G Mukiri, “Determinants of access to Bank credit by micro and small enterprises in Kenya”, 2011, Beacon Consultant Service, Kenya.
• 16. N.H Ha, H.T.N Tuyen, D.C. Binh “Analysis of Factors affecting access to credit capital of small and medium-sized enterprises in Tra Vinh Province”, 2013. Social and Humanities Press , Vol. 09, No.1, pp. 37 - 45.
• 17. H.K Minh, V.T.T Anh, L.T.H Cam, “An Assessment of Corporate Access to Banking in South Central Coast and Central Highlands ”,2013, Da Nang Journal of Social Economy, Vol.33, pp. 33- 39.
• 18. H.D Thuong, N.T Nga, “a study on access to bank capital by small and medium-sized enterprises in Thua Thien Hue, 2014, Journal of Economics and Development, Vol. 202, No. 2, pp. 45 - 57.
• 19. H. Trong, C.N.M Ngoc, “Analyzing Research Data with SPSS”, Ho Chi Minh city, Publishing company Hong Duc, 2008.

Uwagi

1. Preface

2. Session: International Conference on Research in Management and Technovation