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Table 5 Expected changes in financing volume, financing rate, and default rate for different business types

From: How different types of financial service providers support small- and medium- enterprises under the impact of COVID-19 pandemic: from the perspective of expectancy theory

Expected changes in Financial institutions Credit-enhanced FSPs (C) Pairwise comparison
Commercial banks (A) Non-bank financial institutions (B)
Financing volume (p < 0.001) 3.81 3.31 3.07 A:B*
A:C***
B:C
Financing rate (p < 0.001) 2.08 2.53 2.78 A:B*
A:C***
B:C*
Default rate (p = 0.230) 3.59 3.55 3.39  
Number 37 108 127  
  1. Notes. The p values in the first column refer to the overall differences between the three types. The values in this table refer to the average score of the corresponding items in the Appendix of each type, reflecting the willingness or attitude on the adjustment of financing strategies. The higher the value, the more the expected financing volume/financing rate/default rate will increase
  2. *** p < 0.001, ** p < 0.01, * p < 0.1