合作金融机构:文献综述
Donal McKillop1, Declan French1, Barry Quinn1
1Department of Finance, Queen's Management School, Queen's University Belfast, BT9 5EE, UK.
概括
金融合作社提供稳定性和信贷机会,特别是在经济衰退期间. 他们以成员为中心的模式确保了全球金融系统的受欢迎程度和可持续性.
科学领域:
- 经济学 经济学 经济学
- 金融 金融 金融 金融 金融
- 社会学 社会学 社会学
背景情况:
- 金融合作社在许多国家金融系统中起着至关重要的作用,作为个人和中小企业的安全存款避风港和主要信贷提供商.
- 他们的非营利精神和对会员利益的关注,有助于他们持续的受欢迎程度和弹性,尤其是在全球金融危机期间,他们继续发放贷款,而商业银行限制信贷.
研究的目的:
- 审查金融合作社的结构和行为特征.
- 检查它们的表现和对实体经济的贡献,包括在危机期间.
- 识别当前的知识差距,并建议未来的研究方向.
主要方法:
- 对结构和行为方面的文献综述.
- 对业绩,可持续性和经济贡献的分析.
- 审查监管,税收和网络安排.
- 包括金融科技的影响和危机表现.
主要成果:
- 金融合作社具有独特的结构和行为特征,包括关系银行和会员利益平衡.
- 它们表现出效率,可持续性和对实体经济的重大贡献,特别是在危机时期.
- 合并,收购和失败的分析与由金融科技塑造的不断变化的格局一起进行.
结论:
- 金融合作社是具有独特商业模式的重要,有弹性的机构.
- 它们在提供信贷和支持实体经济,特别是危机期间的作用是显著的.
- 需要进一步的研究才能充分理解它们的演变动态和贡献.
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