Bank Lending in Japan: its Determinants and Macroeconomic Implications
Bank Lending in Japan: its Determinants and Macroeconomic Implications
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日本的银行贷款：其决定因素和宏观经济影响
DOI：
10.1007/978-1-4615-4395-4_7
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发表时间：
2000
影响因子：
3.7
通讯作者：
Shin
中科院分区：
文献类型：
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作者：
K. Ogawa;Shin
1997年11月，日本金融机构史无前例地破产，北海道实业银行和山一证券相继破产。这促使厌恶风险的家庭将存款从被认为有问题的银行转移到更安全的银行。与去年同期相比，12月份邮政储蓄存款水平增长6.2%，城市银行存款水平增长4.7%，一线地区银行存款水平仅增长1.6%。二线地区银行的存款下降了2.1%。许多人认为，存款的快速转移，加上股价的下跌，使银行在发放贷款时非常谨慎，或者更糟的是，导致它们撤回贷款以维持资本要求。有人进一步断言，银行信贷的收缩反过来又扼杀了依赖银行的企业的实际活动，从而加剧了目前日本经济的停滞。
November 1997 saw unprecedented failures of Japanese financial institutions as Hokkaido Takushoku Bank and Yamaichi Securities went into bankruptcy. This prompted risk-averse households to shift deposits from banks perceived to be in trouble to safer banks. The increase in the level of deposits during December, compared to the previous year, was 6.2% for postal savings, 4.7% for city banks and only 1.6% for first-tier regional banks. Second-tier regional banks had a decline in deposits of 2.1 %. Many argue that quick shifts of deposits, together with a fall in share prices, make banks very cautious in making loans or, even worse, lead them to withdraw loans to maintain capital requirements. It is further asserted that a contraction of bank credit in turn chokes off the real activity of bank-dependent firms and thus aggravates the current stagnancy of the Japanese economy.
上田一夫：“日本货币政策的比较视角：短期货币控制和传导机制”日本货币政策。
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