权益分类	功能权益	普通用户	{{item.name}}会员
{{category.name}}	{{benefitItem.name}}

Corporate Strategy and Organizational Design for Financial Services Industry : Development of Database and International Comparisons.

金融服务业的企业战略和组织设计：数据库开发和国际比较。

基本信息

批准号：
15530273
负责人：
SAKANO Tomoaki
金额：
$ 2.11万
依托单位：
Waseda University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2003
资助国家：
日本
起止时间：
2003 至 2005
项目状态：
已结题

项目摘要

A longitudinal database of strategic and organizational changes for Japanese retail financial services companies was created during the period of 1945 and 2004. The database consists of publicly available accounts published in newspaper, magazines, and annual reports. Fine-grained text analysis was used to uncover the key characteristics of the change actions, such as type of change, location of change within the organization, outcomes, and espoused goals and rationales. In addition, measures of strategy types, strategic intent and organizational structure were captured.Based on the database, several empirical studies were performed. First, analysis using the U.S. database showed that expansion of regulation in sub-prime lending lead to the unintended result of reducing the flow of home equity credit to lower income and higher risk borrowers. Second, several factors which had impaired development of European consumer credit markets were found : strict regulation, risk-avoidance by financial institutions, and cultural and religious backgrounds. Among them the strongest impediment was the underdevelopment of credit bureaus. Third, two types of strategic changes by Japanese financial services companies were found in Asian countries : exploitation and exploration. We found exploitation more frequently than exploration in Hong Kong, South Korea and Taiwan. Forth, empirical analyses were performed on causes of personal bankruptcy in Japan. Life event such as reduced income was the strongest predictor for personal bankruptcy. Finally, two potential motives for Japanese financial services companies to expand abroad were found : They could seek resources, such as a capital, or they could pursue additional opportunities such as selling to their traditional customer segment in new markets or even to new segments in those new markets.

日本零售金融服务公司的战略和组织变化的纵向数据库是在1945年至2004年期间创建的。该数据库包括在报纸、杂志和年度报告上发布的公开可用帐户。细粒度文本分析用于揭示变更行动的关键特征，例如变更的类型、变更在组织中的位置、结果以及支持的目标和理由。此外，还获取了战略类型、战略意图和组织结构的测量结果，并在数据库的基础上进行了若干实证研究。首先，使用美国数据库的分析表明，扩大次级贷款监管会导致意想不到的结果，即减少房屋净值信贷流向收入较低和风险较高的借款人。其次，发现了几个阻碍欧洲消费信贷市场发展的因素：严格的监管、金融机构的风险规避以及文化和宗教背景。其中最大的障碍是信用局的不发达。第三，日本金融服务公司在亚洲国家出现了两种类型的战略转变：剥削和探索。在香港、韩国和台湾，我们发现剥削比勘探更频繁。第四，对日本个人破产的原因进行了实证分析。生活事件，如收入减少，是个人破产的最强预测因素。最后，研究发现了日本金融服务公司向海外扩张的两个潜在动机：它们可以寻求资本等资源，或者可以寻求更多机会，例如在新市场向传统客户群销售产品，甚至在这些新市场向新细分市场销售产品。