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The Changes in the Financial System under IT revolution

IT革命下金融体系的变革

基本信息

批准号：
13630106
负责人：
OGURI Seiji
金额：
$ 2.37万
依托单位：
Shiga University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2001
资助国家：
日本
起止时间：
2001 至 2003
项目状态：
已结题

项目摘要

We have investigated the changes in the financial system under IT(Information technology) revolution. Our research focuses the changes in the Japanese financial market structure, in business strategies of financial institutions, and in the role of the Japanese central bark.Regarding the Japanese financial market structure, both the effect of postal saving funds on financial market and the stability of banking system under IT revolution were theoretically investigated. The outcomes of this research were published in three papers and also presented at seminar in various places.Business strategies of financial institutions had been affected by the changes in business environment. IT revolution made it possible for the financial institutions to make such changes. For instance, banks' income structure has been shifted towards ATM commission-based in recent years. We reviewed the literature on this issue and showed the conditions for which an ATM network is formed with other financial institutions and how ATM fees are determined.We also examined the "Lender of Last Resort" of Central Banking under IT revolution. Especially we reconsidered the significance of the Bagehot principle which is the theoretical starting point of the "Lender of Last Resort" of Central Banking. Furthermore, the role and the legal status of Bank of Japan as the "Lender of Last Resort" under the new Bank of Japan Law were discussed.Finally, regarding the Japan's financial system, the bad-loans problem strengthening, of the easing capacity of a financial institution, and the role of capital market were investigated. The research outcome was presented at Dongbei University of Finance aid Economics, China.

我们研究了IT（信息技术）革命下金融体系的变化。本研究以日本金融市场结构的变化、金融机构的经营战略的变化、中央银行的作用为中心，对日本金融市场结构进行了理论研究，对信息技术革命下的邮政储蓄对金融市场的影响和银行体系的稳定性进行了理论研究。这项研究的成果发表在三篇论文中，并在各地的研讨会上发表。金融机构的业务战略受到商业环境变化的影响。信息技术革命使金融机构进行这种变革成为可能。例如，近年来银行的收入结构已转向以ATM佣金为基础。我们回顾了有关这一问题的文献，并展示了与其他金融机构形成ATM网络的条件和ATM费用的确定方法，还考察了IT革命下中央银行的“最后手段”。特别是对中央银行“最后手段”的理论起点白芝浩原则的意义进行了重新思考。最后，就日本金融体系中不良贷款问题的强化、金融机构的宽松能力以及资本市场的作用等问题进行了探讨。研究成果在中国东北财经大学发表。