整合心理预测因素和关系调节器在印度织部门的贷款偿还意图
1Manipal School of Commerce and Economics, Manipal Academy of Higher Education, Manipal, 576104, Karnataka, India.
Acta psychologica
|November 21, 2025
概括
诚信显著提高了印度中小企业的贷款偿还意向. 靠近银行增强了这种效应,而较长的关系可能会阻碍这种效应,影响金融稳定.
科学领域:
- 行为经济学是一种行为经济学.
- 财务管理 财务管理
- 社会经济学研究 社会经济学研究
背景情况:
- 印度银行业面临着中小企业 (SME) 违约的日益增加.
- 了解影响贷款偿还的心理因素对于金融稳定至关重要.
- 现有的模型往往忽略了中小企业金融行为的心理细微差别.
研究的目的:
- 调查诚信,财务自我效能和物质主义对中小企业贷款偿还意向 (LRI) 的影响.
- 检查中小企业LRI模型中关系长度和银行附近的调节作用.
- 通过结合心理和上下文因素来扩展计划行为理论.
主要方法:
- 使用自行管理的问卷进行量化,横截面研究.
- 从印度泰米尔纳德邦织行业的392家中小企业收集的数据.
- 部分最小平方结构方程建模 (PLS-SEM) 用于数据分析.
主要成果:
- 诚信与贷款偿还意向 (LRI) 有着强烈的正相关性.
- 财务自我效能和唯物主义对LRI没有显著的影响.
- 靠近银行对诚信与LRI的联系有积极影响;关系长度对心理影响有负面影响.
结论:
- 诚信是印度中小企业贷款偿还的关键心理驱动因素.
- 靠近银行可以增强诚信对偿还行为的积极影响.
- 调查结果为决策者和金融机构提供了可操作的见解,以减轻不良资产和确保金融稳定.
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