A STUDY ON THE ECONOMIC ENVIRONMENT OF BANKS IN METROPOLITAN AREA AND THEIR NON-PERFORMING LOANS

都市圈银行经济环境及不良贷款研究

• 批准号: 14203008
• 负责人: HORIE Yasuhiro
• 金额: $ 20.3万
• 依托单位: KYUSHU UNIVERSITY
• 依托单位国家: 日本
• 项目类别: Grant-in-Aid for Scientific Research (A)
• 财政年份: 2002
• 资助国家: 日本
• 起止时间: 2002 至 2005
• 项目状态: 已结题
• 来源: https://kaken.nii.ac.jp/en/grant/KAKENHI-PROJECT-14203008/
• 关键词: Credit Rating; Nonperforming Loan; Market Environment; Stock Price; Financial Soundness; Return to Home Prefecture; Abolition of Branches; Business Relations; 金融機関の株価; 短期的な収益力; ストックとしての健全性; too-big-to-fail; シンジケート・ローン; 小口ローン; 営業店の改廃; 関係型取引

We estimated the amount of non-performing loans of Japanese banks in early 2000's in Tokyo metropolitan area, by utilizing the companies' evaluation profile data, issued by Teikoku Data Bank. By using all data of the companies capitalized more than 10 million yen, the result is that 60% of the estimated amount of non-performing loans are from construction, real estates, finance, retail & whole sale companies. Using these micro data, we also explored the relationship between loaned companies and banks from a geographical view point. We have found that the most loaned companies, even for the mega banks, were found in small area with a certain distance from the branches, in Tokyo metropolitan area, due to their movement toward the more profitable retailed loans.Next, when observing the stock prices for the local banks, their ranges are getting wider, which reflect the serious concerns for the financial performance in long term and soundness of assets, in the stock market. Regarding the loan strategies for these regional banks, we have shown that they have increased both the amount of loans in the regions where their local branches cover, and that of syndicated loans. Our results shows that the key factors for bank survival are having sound financial portfolio and restructuring for efficient banking service. Regarding restructuring of the mega banks, we found the branches, which have less competitors' branches and have a good amount of the clerks, tends to survive in Hanshin Metropolitan Area.We have also explored the behavior of the enclosure of the good performing firms by being the "main bank".From our observation, the incentive of being a "main bank" for the mega banks is different between that for regional banks. For the regional banks, particularly, having loans to the good performing firms is more important than being the "main banks", for possible improvement of their financial performances.

我们利用日本都会数据银行发布的日本银行的评估档案数据，估算了2000年初S在东京都地区的日本银行不良贷款量。通过使用1000万日元以上公司的所有数据，得出的结果是，估计的不良贷款金额的60%来自建筑、房地产、金融、零售和批发公司。利用这些微观数据，我们还从地理角度探讨了被贷款公司与银行之间的关系。我们发现，贷款最多的公司，即使是大型银行，也是在东京都地区距离分行有一定距离的小区域内发现的，这是因为它们转向了更有利可图的零售贷款。其次，观察当地银行的股价，它们的范围越来越大，反映出股市对长期财务业绩和资产健全性的严重担忧。关于这些地区性银行的贷款策略，我们已经表明，它们在其本地分行覆盖的地区增加了贷款金额，并增加了银团贷款。我们的结果表明，银行生存的关键因素是拥有稳健的金融组合和为高效的银行服务进行重组。对于巨型银行的重组，我们发现竞争对手较少、职员数量较多的分行更倾向于在阪神都会区生存，并探讨了表现较好的银行作为“主银行”的圈地行为。从我们的观察来看，大银行成为“主银行”的动机与地区性银行不同。对于地区性银行来说，尤其是对业绩较好的公司进行贷款，比成为“主要银行”更重要，这可能会改善其财务业绩。

项目成果

関西圏を中心とした都市銀行の支店の立地要因の実証研究

以关西地区为主的城市银行分支机构选址因素实证研究

• 发表时间: 2005
• 期刊: 商大論集 (兵庫県立大学) 第57巻2号
• 作者: 川向 肇

堀江康煕: "地域金融機関の行動と特徴"大住圭介, 堀宣昭編『グローバリゼーションと地域経済・公共政策2』 九州大学出版会. 55-90 (2003)

Yasuhiro Horie：“区域金融机构的行为和特征” Keisuke Osumi，Nobuaki Hori（编辑），全球化和区域经济/公共政策 2，九州大学出版社 55-90（2003）。

堀江康煕: "信用金庫の経営課題"信用金庫. 2002.12月. 2-6 (2002)

Yasuhiro Horie：“信用金库的管理问题”，信用金库，2002 年 12 月。2-6 (2002)。

地域金融機関の行動と特徴

区域金融机构的行为和特征

• 发表时间: 2003
• 期刊: グローバリゼーションと地域経済・公共政策 2 (大住圭介, 堀 宣昭編)(九州大学出版会) 第3章
• 作者: Amarzaya;A.;Guest;M.A;N.Koiso;寺田 浩明;清水 敏行;Yoshimasa NOMURA;S.Kageyama;Mano Eiji;鷲見郎子;S.Kondo;堀江康煕
• 通讯作者: 堀江康煕

地域経済の再生と公共政策

区域经济振兴与公共政策

• 发表时间: 2004
• 作者: Nishio;Tetsuo;Yamanaka;Yuriko eds.;M.Akahira;北村賢哲;K.Kajiwara;堀江康煕
• 通讯作者: 堀江康煕