The Empirical Research of the Treatments for Bad Loans and the Efforts for Streamlining the Management in the Japanese Banking Sector in the 1990's

20世纪90年代日本银行业不良贷款处理及精简管理的实证研究

• 批准号: 12630103
• 负责人: TAKEUCHI Tetsuji
• 金额: $ 2.11万
• 依托单位: Wakayama University
• 依托单位国家: 日本
• 项目类别: Grant-in-Aid for Scientific Research (C)
• 财政年份: 2000
• 资助国家: 日本
• 起止时间: 2000 至 2002
• 项目状态: 已结题
• 来源: https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-12630103/
• 关键词: Banks; Streamline the Management; Corporate Governance; 不良債権処理; 企業統治; 銀行の不良債権処理; 銀行の経営合理化

The objective of this project was to research measurement-analysis of extraction of the bank of management aggravation according to performance, and streamlining the management in the Japanese banking sector in terms of corporate governance. It was analyzed corporate governance from the point of view of a capital market, the stockholder's composition, interlocking stockholding, etc., it is inquiring continuously.To reconstruct the method, we reexamined the efforts to stream the management using accounting data; for example, the ratio of cost to assets. We scoped three periods, which are divided the period of the "bubble" term (1984-1989), the period immediately after the collapse of the "bubble" economy (1990-1995), and the recent period (1996-2001). Also, we investigated the influences of types of business, business achievement, reorganization, the debt ratio, and the economic scale. As a result, it was drawn to the diversification having progressed positively immediately after the co … More llapse of the "bubble" economy that management efforts are progressing slowly or have already reached the limit after the middle of the 1990's. In addition, the ratio of cost to assets of a performance healthy line etc. was cut low at the bubble term. The robust result has appeared neither in types of business nor reorganization. On the other hand, it turns out that the level of a debt ratio, a property scale, and the preceding year has affected the diversification greatly.Moreover, we studied the degree of competition in other Japanese financial industries. The security industry had become more competitive since the stock market crash, the beginning of 1990's. The insurance industry had turned out more competitive since 1995. On the contrary, the Japanese bank became more competitive from 1995 to 1997. However, the attitude for streamlining the management by banks was not enough after 1997.In addition, it not being what adds, depends the bad-loans problem in the Heisei Recession on a macro factor, and originates in the bank industry in itself, and reluctance to lend are also what excess demand caused in the meaning, and also showed clearly that too little supply is not the cause. Less

该项目的目的是研究根据绩效提取银行管理恶化的计量分析，并在公司治理方面简化日本银行业的管理。从资本市场、股东构成、股权联锁等角度对公司治理进行了不断的探讨。例如，成本与资产的比率。我们将范围分为三个时期，即“泡沫”时期（1984-1989年）、“泡沫”经济崩溃后的时期（1990-1995年）和近期时期（1996-2001年）。此外，我们还调查了业务类型、业务业绩、重组、负债率和经济规模的影响。其结果是，在“泡沫”经济崩溃后，多元化的积极进展被吸引，而管理工作在20世纪90年代中期之后进展缓慢或已达到极限。此外，业绩健康线等的成本资产比在泡沫期被降低。无论是业务类型还是重组，都没有出现强劲的结果。另一方面，事实证明，负债率、房地产规模和上一年的水平对多元化的影响很大。此外，我们还研究了日本其他金融行业的竞争程度。自 20 世纪 90 年代初股市崩盘以来，安全行业的竞争变得更加激烈。保险业自1995年以来竞争更加激烈。相反，日本银行从1995年到1997年竞争更加激烈。然而，1997年以后银行精简管理的态度还不够。此外，平成经济衰退中的不良贷款问题并不是补充性的，而是取决于宏观因素，根源在于银行业本身，而不愿放贷也是需求过剩造成的，也表明了这一点。显然供应太少 不是原因。较少的