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An Empirical Analysis on Profitability for Shinkin Banks

信用金库盈利能力实证分析

基本信息

批准号：
12630104
负责人：
HORIE Yasuhiro
金额：
$ 2.05万
依托单位：
KYUSHU UNIVERSITY
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2000
资助国家：
日本
起止时间：
2000 至 2001
项目状态：
已结题

项目摘要

We had investigated that local market environment of Shinkin Banks utilizing the grid statistical data of Population Census in 1995 and Establishment and Enterprise Census in 1996 by Ministry of Public Management. By specifying the longitude and latitude of branches of all types of banks in Japan, we have calculated the grid statistical system code of the location of branches and we have obtained the market environment of Shinkin banks based on the location of branches. By utilizing these grid statistical code, we have estimated local economic and market environment for each branches by counting the competitive bank branch numbers, the number of enterprise, the number of households and so on. Our research proposes a more precise method for the local economic conditions for Shinkin Banks instead of using data based on municipal area, which had been used in other studies.We have obtained the following results based on the statistical databases we have built. Tracing from index of the ret … More urns of asset, main customers of the Shinkin Banks are different by their local economic conditions. Shinkin Banks, that spread over branches in the area, where a good amount of establishments and households exist, target larger enterprises in terms of their capital and vise versa. From the viewpoint of competitiveness, the competitive counterpart of Shinkin Banks differs from the local market conditions. The Shinkin Banks which locate their branches in urbanized or developed area, compete with upper class financial institutions, like local banks, however, those who spread their branches in rural or less populated area, compete with lower class financial institution like other Shinkin Banks or Credit Cooperatives.From the Analysis of mergers in Shinkin Banks, in the late 1990's we could not find the clear difference between the leaders and followers in the case of mergers. However, in 2000's, we could show clear difference between the leaders and followers in mergers. The conditions of non performing loans are extremely different between the leaders and followers, while the local market and economic conditions are similar. This result indicates that reforming branch systems are very important for the profitability recovery through efficiently usage of resources and reduction of costs after mergers. Less

我们利用1995年人口普查和1996年公共管理部编制和企业普查的网格统计数据，对新干线银行的本地市场环境进行了调查。通过指定日本各类银行分支机构的经纬度，计算出分支机构所在地的网格统计系统代码，得出基于分支机构所在地的新干线银行的市场环境。利用这些网格统计代码，通过统计有竞争力的银行网点数、企业数、户数等，对各分行所处的当地经济和市场环境进行了估算。我们的研究提出了一种更精确的方法来描述新干线银行的当地经济状况，而不是使用其他研究中使用的基于市级区域的数据。从ret…的索引开始跟踪更多的资产，新干线银行的主要客户因当地经济状况而不同。新京银行遍布该地区的分支机构，那里有大量的机构和家庭，它们在资本方面瞄准规模较大的企业，反之亦然。从竞争力的角度来看，新干线银行的竞争对手不同于当地的市场状况。位于城市化或经济发达地区的新干线银行，和地方银行一样，与上层金融机构竞争，而在农村或人口较少地区的分支机构，则与其他新干线银行或信用社等下层金融机构竞争。从对新干线银行合并的分析来看，上世纪90年代末的S，在合并的案例中，我们找不到领导者和追随者之间的明显区别。然而，在2000年的S事件中，我们可以看到并购中的领导者和追随者之间的明显差异。领头羊和跟随者的不良贷款条件千差万别，而当地的市场和经济条件却是相似的。这一结果表明，通过有效利用资源和降低合并后的成本，对分支机构进行改革对于恢复盈利能力非常重要。较少