[
Access to commercial finance for SMEs with the support of public institutions, https://alebank.pl/dostep-mmsp-do-finansowania-komercyjnego-ze-wsparciem-instytucji-publicznych/?id=376412&catid=22872&cat2id=25928.
]Search in Google Scholar
[
Acharya V.V., Engle III R.F., Steffen S., Why did bank stocks crash during COVID-19?, “National Bureau of Economic Research” 2021, https://www.nber.org/papers/w28559.10.3386/w28559
]Search in Google Scholar
[
Aji B.S., Warka M., Kongres E., Credit Dispute Resolution through Banking Mediation during Covid-19 Pandemic Situation, Budapest International Research and Critics Institute-Journal, https://doi.org/10.33258/birci.v4i2.1823.10.33258/birci.v4i2.1823
]Search in Google Scholar
[
Baicu. C.G., Gardan I.P. Gardan D.A., Epuran G, The impact of COVID-19 on consumer behaviour in retail banking. Evidence from Romania, “Management & Marketing, Challenges for the Knowledge Society” 2020, no. 15, https://sciendo.com/article/10.2478/mmcks-2020–0031.10.2478/mmcks-2020-0031
]Search in Google Scholar
[
Baldwin R., Tomiura E., Thinking ahead about the trade impact of COVID-19, (in:) R. Baldwin, B. Weder di Mauro (eds.), Economics in the Time of COVID-19, a VoxEU eBook, 2021, https://voxeu.org/system/files/epublication/COVID-19.pdf.
]Search in Google Scholar
[
Balloch C., Djankov S., Gonzalez-Uribe J., Vayanos D., A Restart Procedure to Deal with Covid-19, “Special Paper 254, LSE Financial Markets Group Paper Series”, May 2020, https://www.fmg.ac.uk/sites/default/files/publications/SP254.pdf.
]Search in Google Scholar
[
Baker S.R., Bloom N., Davis S., Terry S.J., COVID-Induced Economic Uncertainty, “National Bureau of Economic Research” 2020, https://www.nber.org/papers/w26983.10.3386/w26983
]Search in Google Scholar
[
Bản Tin Dịch, COVID-19 Ngày 10/6/2020, Việt Nam an ToànĐểPhátTriểnBềnVữngTrongTìnhHìnhMới’ (General Department of Preventive Medicine, 10 June 2020), https://vncdc.gov.vn/ban-tin-dich-covid-19-ngay-1062020-viet-nam-an-toan-de-phat-trien-ben-vung-trong-tinh-hinh-moi-nd15780.html.
]Search in Google Scholar
[
Białek T., The most important changes for banks resulting from the Anti-Crisis Shield, LEX/eL.
]Search in Google Scholar
[
Bignon V., Garnier O., Mesurer l’impact de la crise Covid-19 L’expérience de la Banque de France, “Revue de l’OFCE” 2020 no. 2, https://www.cairn.info/revue-de-l-ofce-2020–2-page-45.htm#s1n3.10.3917/reof.166.0045
]Search in Google Scholar
[
Błaszczyk A., Impact of coronavirus on trade policy of the People’s Republic of China and the Republic of Poland in Challenges of the modern world, (in:) J. Kawa (ed.), Wyzwania współczesnego świata, t. VII, Łódź 2020, https://www.archaegraph.pl/lib/l231bv/wyzwania-7-ebook-kfy8iite.pdf#page=16.
]Search in Google Scholar
[
Cancelled subsidies from the Financial Shield without tax, https://ksiegowosc.infor.pl/wiadomosci/5293492,Umorzone-subwencje-z-Tarczy-Finansowej-bez-podatku.html.
]Search in Google Scholar
[
‘CậpNhậtTìnhHình Covid-19 TạiĐàNẵngNgày 5–9’ (Da Nang Online, 5 September 2020), https://baodanang.vn/infographics/202009/cap-nhat-tinh-hinh-covid-19-tai-da-nang-ngay-5–9-3703001.
]Search in Google Scholar
[
Credit vacations and anti-transfer provisions in Shield 4.0, release dated 08/06/2020 https://www.uokik.gov.pl/aktualnosci.php?news_id=16465. The crisis shield – credit vacations and protection against hostile takeovers, https://www.uokik.gov.pl/aktualnosci.php?news_id=16423.
]Search in Google Scholar
[
Communication from the ZBP concerning bank support measures in connection with the COVID 19 coronavirus pandemic, https://www.zbp.pl/Aktualnosci/Wydarzenia/Komunikat-ZBP-w-sprawie-dzialan-pomocowych-podejmowanych-przez-banki.
]Search in Google Scholar
[
Communication from the ZBP on banks’ relief efforts in the wake of the COVID-19 coronavirus pandemic, Warsaw, 16.03.2020, https://zbp.pl/Aktualnosci/Wydarzenia/Komunikat-ZBP-nr-2-ws-dzialan-pomocowych.
]Search in Google Scholar
[
Companies can suspend loan instalments during lockdown, https://pieniadze.rp.pl/firma/27315-firmy-moga-zawieszac-raty-kredytow-podczas-lockdownu.
]Search in Google Scholar
[
COVID-19 Barometer: positive trend continues, one in three companies expect their industry to improve in the next 6 months, https://alebank.pl/barometr-covid-19-trwa-pozytywny-trend-co-trzecia-firma-spodziewa-sie-poprawy-w-swojej-branzy-w-ciagu-najblizszych-6-miesiecy/?id=377732&catid=22872&cat2id=25926.
]Search in Google Scholar
[
Credit vacations – summary of issues and activities undertaken by the Financial Ombudsman, https://rf.gov.pl/wakacje-kredytowe-podsumowanie-problematyki-i-dzialan-podjetych-przez-rzecznika-finansowego.
]Search in Google Scholar
[
Czech T., Article 5 Definitions, (in:) Consumer credit. Comment, 2017, LEX, eL.
]Search in Google Scholar
[
Czech T., Limit on non-interest costs of consumer credit, “Banking Law Monitor” 2016 vol. 2.
]Search in Google Scholar
[
Czech T., New limits on non-interest consumer credit costs due to coronavirus outbreak, “Banking Law Monitor” 2020, vol. 6.
]Search in Google Scholar
[
Demirgüç-Kunt A., Pedraza A., Ruiz-Ortega C., Banking sector performance during the COVID-19 crisis, “Journal of Banking & Finance” 2021, https://www.sciencedirect.com/science/article/pii/S0378426621002570#bib0002.10.1596/1813-9450-9363
]Search in Google Scholar
[
Disemadi H.S., Shaleh A.I., Banking credit restructuring policy on the impact of COVID-19 spread in Indonesia, “Journal Inovasi Ekonomi” 2020, no. 5(2), Special Issue of Economic Challenges in COVID-19 Outbreak, http://ejournal.umm.ac.id/index.php/jiko.10.22219/jiko.v5i3.11790
]Search in Google Scholar
[
Ending credit vacations and 3rd wave of Covid-19 plunge micro-businesses, BIK data for February, https://alebank.pl/konczace-sie-wakacje-kredytowe-i-iii-fala-covid-pograzaja-mikrofirmy-pokazuja-dane-bik-za-luty/?id=364769&catid=22872.
]Search in Google Scholar
[
Explanatory Memorandum to the draft law on subsidies to interest rates on bank loans granted for providing liquidity to entrepreneurs affected by COVID-19 and on amending some other laws.
]Search in Google Scholar
[
Explanatory Memorandum to the Government Bill amending the Act on supervision over the financial market, the Banking Law Act, and certain other acts, http://www.sejm.gov.pl/sejm7.nsf/druk.xsp?nr=3460.
]Search in Google Scholar
[
EUROFINAS 2021. Biannual Survey 2020, New Consumer Credits Granted for Personal Consumption and Individual Vehicles, http://www.eurofinas.org/uploads/documents/statistics/Eurofinas%20Biannual%20Survey%202020.pdf.
]Search in Google Scholar
[
European Central Bank 2020, Decisions taken by the Governing Council of the ECB (in Addition to Decisions Setting Interest Rates), https://www.ecb.europa.eu/press/govcdec/otherdec/2015/html/gc150918.en.html.
]Search in Google Scholar
[
European Central Bank 2020, Recommendation of the European Central Bank of 15 December 2020 on Dividend Distributions during the COVID-19 Pandemic and Repealing Recommendation ECB/2020/35 (ECB/2020/62) 2020/C 437/01, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv%3AOJ.C_.2020.437.01.0001.01.ENG.
]Search in Google Scholar
[
European Consumer Payment Report 2020, https://www.intrum.com/media/10154/intrum-ecpr-2020.pdf.
]Search in Google Scholar
[
Fox J., Bartholomae S., Household finances, financial planning, and COVID-19, “Financial Planning Review” 2020, no. 3, e1103, https://onlinelibrary.wiley.com/doi/10.1002/cfp2.1103.10.1002/cfp2.1103
]Search in Google Scholar
[
Gębski Ł., The Impact of the Crisis Triggered by the COVID-19 Pandemic and the Actions of Regulators on the Consumer Finance Market in Poland and Other European Union Countries, “Risks” 2021, no. 9(102), https://doi.org/10.3390/risks9060102.10.3390/risks9060102
]Search in Google Scholar
[
Giessen B., Report on the German law on the mitigation of the COVID-19 epidemic in the consumer credit sphere (Gesetz zur Abmilderung der Folgen der Covid-19-Pandemie im Zivil- Insolvenzund Strafverfahrenrecht vom 27.3.2020.1), prepared for the Financial Ombudsman, https://rf.gov.pl/wp-content/uploads/2020/05/Wakacje_kredytowe_Niemcy_Analiza.pdf.10.15375/9783814558554-004
]Search in Google Scholar
[
Goncalves R.M., Alves A.F.A., Almeida T., Debtor-financing in judicial recovery and covid-19 pandemia impacts on the Brazilian entrepreneurs, “Revista Juridica: 2021, no. 2(64), https://pesquisa.bvsalud.org/global-literature-on-novel-coronavirus-2019-ncov/resource/pt/covidwho-1404238.
]Search in Google Scholar
[
Government bill on amending the Act on special solutions related to preventing, counteracting, and combating COVID-19, other infectious diseases and crisis situations caused by them and some other acts-the essence of preserving the reduced limits, http://www.sejm.gov.pl/sejm9.nsf/agent.xsp?symbol=RPL&Id=RM-10–106-20.
]Search in Google Scholar
[
Haydon D., Kumar N., Industries most and least impacted by COVID-19 from a probability of default perspective – September 2020 update, New York, S&P Global, https://www.spglobal.com/marketintelligence/en/news-insights/blog/industries-most-and-least-impacted-by-covid19-from-a-probability-of-default-perspective-september-2020-update.
]Search in Google Scholar
[
Instructions for submitting an application for a loan to cover the current costs of micro-entrepreneur’s business activity by persons who are not logged in, https://www.gov.pl/attachment/17f8b89b-91e6–4a04–8dd1-f2fb872e4cd0.
]Search in Google Scholar
[
Information from the Central Statistical Office on the revised estimate of gross domestic product for 2019, CSO, October 05, 2020, https://stat.gov.pl/obszary-tematyczne/rachunki-narodowe/roczne-rachunki-narodowe/informacja-glownego-urzedu-statystycznego-w-sprawieskorygowanego-szacunku-produktu-krajowego-brutto-za-2019-rok,9,6.html.
]Search in Google Scholar
[
International Monetary Fund “IMF Country Report Vietnam” 2021, vol. 21(42), https://www.imf.org/-/media/Files/Publications/CR/2021/English/1VNMEA2021001.ashx.10.5089/9781513570488.002
]Search in Google Scholar
[
Justification to the draft law on amending the Law on Special Solutions for Preventing, Counteracting and Combating COVID-19, Other Infectious Diseases and Crisis Situations Caused by Them and Some Other Laws, Parliament Print No. 299, https://www.sejm.gov.pl/sejm9.nsf/PrzebiegProc.xsp?nr=299.
]Search in Google Scholar
[
Justification to the draft law on subsidies to interest rates on bank loans granted to ensure financial liquidity of entrepreneurs affected by COVID-19 and on amendments to some other laws. http://isap.sejm.gov.pl/isap.nsf/download.xsp/WDU20200001086/T/D20201086L.pdf.
]Search in Google Scholar
[
Kanapickiene R., Teresiene D., Budriene D., Keliuotyte-Staniuleniene G., Kartasova J., The impact of COVID-19 on European financial markets and economic sentiment, “Economy & Business” 2020, no. 14, https://epublications.vu.lt/object/elaba:73275063.10.3390/jrfm14040159
]Search in Google Scholar
[
Koleśnik J., The Cognition Effect and its Mitigation in the Modern Banking System, “European Research Studies Journal” 2021, no. 24, https://www.ersj.eu/journal/2008.
]Search in Google Scholar
[
Kurowski Ł., Household’s Overindebtedness during the COVID-19 Crisis: The Role of Debt and Financial Literacy, “Risks “ 2021, no: 9(4), https://doi.org/10.3390/risks9040062.10.3390/risks9040062
]Search in Google Scholar
[
Le T., Covid-19 Control in Vietnam, “Nature Immunology” 2021, no. 22, https://doi.org/10.1038/s41590–021-00882–9.10.1038/s41590-021-00882-9
]Search in Google Scholar
[
Loan K., Banks Cut Interest Rates to Support Businesses amidst COVID-19 Outbreak, “Online Newspaper of the Government of the Socialist Republic of Viet Nam” 11 March 2020, http://news.chinhphu.vn/Home/Banks-cut-interest-rates-to-support-businesses-amidst-COVID19-outbreak/20203/39131.vgp.
]Search in Google Scholar
[
Minh A., Vietcombank Giảm Lãi Suất Hỗ Trợ Khách Hàng Bị Ảnh Hưởng Bởi Dịch COVID-19, 16 July 2021, http://baochinhphu.vn/Doanh-nghiep/Vietcombank-giam-lai-suat-ho-tro-khach-hang-bi-anh-huong-boi-dich-COVID19/438491.vgp.10.46223/HCMCOUJS.econ.vi.16.3.1299.2021
]Search in Google Scholar
[
Ophem J., COVID-19 and consumer financial vulnerability, “Central European Review of Economics and Management” 2020, no. 4, https://www.ceeol.com/search/article-detail?id=929094.10.29015/cerem.894
]Search in Google Scholar
[
Parker K., Minkin R., Bennett J., Economic fallout from COVID-19 continues to hit lower-income Americans the hardest, Washington DC 2020, https://www.pewresearch.org/social-trends/2020/09/24/economic-fallout-from-covid-19-continues-to-hit-lower-income-americans-the-hardest/.
]Search in Google Scholar
[
Payment moratorium in Hungary Measures to mitigate the impact of a coronavirus pandemic on the national economy https://rf.gov.pl/wp-content/uploads/2020/05/Wakacje_kredytowe_W%C4%99gry_maj2019.pdf.
]Search in Google Scholar
[
Pew Charitable Trust, How do families cope with financial shocks? Pew Charitable Trust Research Brief, https://www.pewtrusts.org/~/media/assets/2015/10/emergency-savings-report-1_artfinal.pdf.
]Search in Google Scholar
[
PFR Financial Shield 1.0. Accounting for and cancelling subsidies, https://pfrsa.pl/dam/jcr:b0aee6fa-f81b-4c21-ab09–564e84d366f3/TF-1–0-prezentacja-MIKRO.
]Search in Google Scholar
[
PFR Financial Shield 2.0., https://pfrsa.pl/tarcza-finansowa-pfr/tarcza-finansowa-pfr-20.html#mmsp.
]Search in Google Scholar
[
PFR Financial Shield for Companies and Employees, https://pfrsa.pl/tarcza-finansowa-pfr.html.
]Search in Google Scholar
[
PFR 1.0 shield – over PLN 42 billion of redeemed subsidies, https://ksiegowosc.infor.pl/wiadomosci/5280610,Tarcza-PFR-10-ponad-42-mld-zl-umorzonych-subwencji.html.
]Search in Google Scholar
[
PFR Financial Shield 2.0., https://pfrsa.pl/tarcza-finansowa-pfr/tarcza-finansowa-pfr-20.html#mmsp.
]Search in Google Scholar
[
Proceedings under reference number DAR-2.401.2.2020 STATUTORY CREDIT VACATION – OCCUPIED BANKS, https://www.uokik.gov.pl/aktualnosci.php?news_id=16667.
]Search in Google Scholar
[
Regulations of applying for participation in the governmental program, Financial shield 2.0 Polish Development Fund For micro, small and medium companies, https://pfrsa.pl/dam/serwiskorporacyjny-pfr/documents/tarcza-finansowa-pfr-20/Regulamin-programu-tarczafinansowa-pfr-20.pdf.
]Search in Google Scholar
[
Regulations to apply for participation in the governmental program, Financial shield polish development fund for small and medium-sized enterprises, https://pfrsa.pl/dam/jcr:96b68d11-f9f8–4850-a813-edd4bf7d241a/regulamin_programu_tarcza_finansowa_pfr_dla_mmsp.pdf.
]Search in Google Scholar
[
Quyền Bộ Trưởng Bộ Y. Tế., Bệnh Nhân ở Đà Nẵng Được Khẳng Định Dương Tính Với SARS-COV–2’ (Suc Khoe & Doi Song, 25 July 2020), https://suckhoedoisong.vn/quyen-bo-truong-bo-y-te-benh-nhan-o-da-nang-duoc-khang-dinh-duong-tinh-voi-sars-cov-2-n177597.html.
]Search in Google Scholar
[
Rutkowska-Tomaszewska E., Creditor, s remuneration related to the crediting process and legal regulation of the reduction of the total cost of consumer credit in case of its early repayment as a manifestation of the protection of consumer’s economic interests, (in:) E. Rutkowska-Tomaszewska (ed.) Customer protection on the financial services market in the light of current problems and legal regulations, Warsaw 2017
]Search in Google Scholar
[
Rutkowska-Tomaszewska E., Consumer banking, (in:) W. Góralczyk (ed.), Problems of modern banking. Legal issues, Warsaw 2014.
]Search in Google Scholar
[
Serzysko A., Contractual clauses in banking contracts and COVID-19, LEX 2020, eL.
]Search in Google Scholar
[
Survey commissioned by the BIG InfoMonitor Debtor Register, April 2020.
]Search in Google Scholar
[
Serzysko A., Loan subsidies in the Anti-Crisis Shield 4.0, LEX 2020, eL.
]Search in Google Scholar
[
SME status and the PFR Financial Shield, https://codozasady.pl/p/status-msp-a-tarcza-finansowa-pfr.
]Search in Google Scholar
[
Sytra Disemandi H., Ismail Shaleh A., Banking credit restructuring policy on the impact of COVID-19 spread in Indonesia, “Journal Inovasi Ekonomi” 2020, vol. 5, no. 2, https://ejournal.umm.ac.id/index.php/JIKO/article/view/11790/8316.10.22219/jiko.v5i3.11790
]Search in Google Scholar
[
Teresiene D., Keliuotyte-Staniuleniene G., Liao Y., Koleśnik R., Pu R., Hu S., Yue X-G, The Impact of the COVID-19 Pandemic on Consumer and Business Confidence Indicators, “Journal of Risk and Financial Management” 2021, no. 14(159), https://www.mdpi.com/1911–8074/14/4/159.10.3390/jrfm14040159
]Search in Google Scholar
[
Tjoanda M., Hetharie Y., Pariela M. V.G., Sopamena R.F., The Outbreak of Covid-19 as an Overmacht Claim in Credit Agreements, “Fiat Justisia Jurnal Iimu Hukum” 2021, no. 15(1) 2021, http://jurnal.fh.unila.ac.id/index.php/fiat10.25041/fiatjustisia.v15no1.2195
]Search in Google Scholar
[
Trang Tin Về Dịch Bệnh Viêm Đường Hô Hấp Cấp Covid-19, https://ncov.moh.gov.vn.
]Search in Google Scholar
[
Trieste, 16 April 2020 Italian Report by Francesca Fiorentini, University of Trieste, https://rf.gov.pl/wp-content/uploads/2020/05/Italian-Report_Consumer-loans-and-Coronavirus1.pdf.
]Search in Google Scholar
[
Świstak A, Dahms A., Financial Shield 2.0, (in:) M. Militz, Support provided to entrepreneurs in connection with the COVID-19 pandemic. Clearing and control, Wolters Kluwer Polska, 2020, eL.
]Search in Google Scholar
[
Urban-Theocharakis M., Credit Vacation, LEX 2020, eL.
]Search in Google Scholar
[
Wielen W. van der, Barrios S., Economic sentiment during the COVID pandemic: Evidence from search behaviour in the EU, “Journal of Economics and Business” 2021, no. 115, https://doi.org/10.1016/j.jeconbus.2020.105970.10.1016/j.jeconbus.2020.105970
]Search in Google Scholar
[
Wilkowicz Ł., Shield 4.0: Lose your job or source of income? You’ll be able to suspend your loan payments, https://serwisy.gazetaprawna.pl/finanse-osobiste/artykuly/1479492,zawieszeniesplaty-kredytu-tarcza-4–0.html.
]Search in Google Scholar
[
Zaleska M. (ed.), The financial impact of COVID-19. Polish perspective, Warsaw 2021.
]Search in Google Scholar
, 