Empirical analysis on the performance of the Japanese financial system from the perspective of financial service users

金融服务使用者视角下日本金融体系绩效实证分析

• 批准号: 14530108
• 负责人: YAMORI Nobuyoshi
• 金额: $ 2.3万
• 依托单位: Nagoya University
• 依托单位国家: 日本
• 项目类别: Grant-in-Aid for Scientific Research (C)
• 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/grant/KAKENHI-PROJECT-14530108/
• 关键词: Housing Finance; Financial Reorganization; Relationship Banking; Regional Finance; Personal Finance; Household Finance; Housing Loan Corporation; Financial Reform; 信用金庫; 協同組織金融機関; ソフト情報; 中小企業; 企業金融; 金融システム; 生活者金融; 住宅ローン; 銀行店舗; アンケート調査; 日

This research project was executed for four years. We focus on the effect of the financial reform on the household and the small and medium-sized enterprises, which are important users of the financial services. First of all, what influence the deregulation of the finance in recent years chiefly gave to the household sector was analyzed. Concretely, the problem of the housing loan was taken up. However, we find that the benefits of the liberalization have not been realized yet. Especially, the abolition of the Housing Loan Corporation may have made local housing loan market less competitive.On the other hand, the enhancement of the relationship banking function was analyzed in terms of the small business finance. In the paper "Regional financial system and small business finance" published in RP review, I argued that the informational problem in the small business finance is not completely canceled even if the telecommunication technology develops, and I discussed that the small business finance will remain regional. I concluded that soft information might be lost in the process of the M&A in the banking industry, and the enhancement of relationship banking function of the regional financial institutions is important to supplement the negative effect of the mega-bank reorganization and the governmental financial institutions' reform.

这个研究项目进行了四年。我们关注的是金融改革对家庭和中小企业的影响，这两个群体是金融服务的重要用户。首先，分析了近年来金融放松管制对居民部门的影响。具体地说，住房贷款的问题已经解决。然而，我们发现自由化的好处尚未实现。特别是，住房贷款公司的取消可能会降低当地住房贷款市场的竞争力。另一方面，从小企业金融的角度分析了关系银行功能的增强。在RP review发表的论文“区域金融体系与小企业金融”中，笔者认为即使电信技术发展，小企业金融的信息化问题也不会完全消除，小企业金融仍将保持区域性。本文的结论是：银行业并购过程中存在软信息丢失的问题，加强区域性金融机构的关系银行功能是弥补大型银行重组和政府金融机构改革负面影响的重要途径。

项目成果

地域金融システムと中小企業金融

区域金融体系与小企业金融

• 发表时间: 2005
• 期刊: RPレビュー 8月号
• 作者: 家森信善;家森信善
• 通讯作者: 家森信善

利用者の視点から見た住宅金融改革の成果と課題(後編)-地域の住宅金融市場への影響を中心に-

用户视角下住房金融改革的成就与挑战（二）-聚焦对当地住房金融市场的影响-

• 发表时间: 2004
• 期刊: 住宅金融月報 8月
• 作者: Yamori;Nobuyoshi;家森信善;Nobuyoshi Yamori(家森信善);家森信善;家森信善
• 通讯作者: 家森信善

Wealth Effect of Public Funds Injection to Ailing Banks.

公共资金注入陷入困境的银行的财富效应。

• 期刊: Japanese Economic Review (forthcoming)
• 作者: Yamori;Nobuyoshi;家森信善;家森信善;家森信善;Nobuyoshi Yamori(家森信善);家森信善
• 通讯作者: 家森信善

M.Spiegel, N.Yamori: "The Impact of Japan's Financial Stabilization Laws on Bank Equity Values"Journal of Japanese and International Economies. 17. 263-282 (2003)

M.Spiegel、N.Yamori：“日本金融稳定法对银行股本价值的影响”日本和国际经济杂志。

家森信善, 小林毅: "保険市場の自由化と日本の保険会社:日米保険協議の分析"(財団法人・損害保険事業総合研究所)損害保険研究. 64(2). 63-95 (2002)

Nobuyoshi Yamori、Tsuyoshi Kobayashi：“保险市场自由化与日本保险公司：日美保险谈判分析”（非寿险研究所）非寿险研究 63-95（2002）。