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Elbátortalanodott hiteligénylők a vállalati szektorban
[Discouraged borrowers in the corporate sector]

Author

Listed:
  • Szabó, Zsolt

Abstract

A hitelpiac közgazdasági vizsgálata során sokáig figyelmen kívül hagyták a kutatások azokat a vállalatokat, amelyek azért nem igényelnek kölcsönt, mert tartanak kérelmük elutasításától. Ennek a látens hitelkeresletnek a megfigyelését egyrészt a megfelelő értelmezési keret hiánya akadályozta, másrészt az érintett vállalati kör inaktivitása nehezítette, ugyanis a kapcsolat hiányából adódóan a bankok sem rendelkeznek információval róluk. A hitelkérelemtől visszarettenő vállalatok különösen az ezredfordulót követően kaptak nagyobb figyelmet, részben a formalizált elemzési keret kikristályosodása nyomán, részben a 2008-ban kirobbant gazdasági világválság és a hitelpiaci torzulások iránt megnőtt figyelem következtében. A kutatások szerint jelentősnek mondható az érintett vállalati kör nagysága, az elbátortalanodás okait és lehetséges kezelését taglaló irodalom pedig egyre több kérdést vizsgál. Ennek ellenére a hazai szakirodalomban e terület tárgyalása kifejezetten hiányosnak mondható, miközben a gyorsabb ütemű gazdasági növekedésben is jelentős lehet a hiteligényléstől visszarettenő cégek szerepe. A cikk a fő elméleti alapvetések bemutatása, részben kiegészítése mellett a legfrissebb empirikus eredmények összefoglalásával kíván hozzájárulni a téma hazai megismertetéséhez.* Journal of Economic Literature (JEL) kód: D22, D82, D91, E71, G14, G41.

Suggested Citation

  • Szabó, Zsolt, 2019. "Elbátortalanodott hiteligénylők a vállalati szektorban [Discouraged borrowers in the corporate sector]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(11), pages 1145-1186.
    • Handle: RePEc:ksa:szemle:1872
    DOI: 10.18414/KSZ.2019.11.1145
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    References listed on IDEAS

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    More about this item

    JEL classification:

    • D22 - Microeconomics - - Production and Organizations - - - Firm Behavior: Empirical Analysis
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • E71 - Macroeconomics and Monetary Economics - - Macro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on the Macro Economy
    • G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies; Insider Trading
    • G41 - Financial Economics - - Behavioral Finance - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making in Financial Markets

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