Studies on the interrelationship between the development of Credit risk management in Regional banks and the financial intermediation towards Regional SMEs, and Inquiries about the corporate strategy of "Shin-Ginko Tokyo Limited".

本研究主要分析(1)新银子东京有限公司(SGT)的信用风险管理与企业策略。SGT是一家以向中小企业提供无抵押贷款为主要业务的银行，采用信用评分模型，即基于交易银行方法。(2)区域银行(我们选择福冈银行为九州一级银行，大分银行为二级银行)的信贷政策，通过加强关系银行的方法，促进中小企业金融中介的复兴。本研究旨在通过对SGT的财务报表和与SGT管理层的各种访谈收集的二次数据的分析，观察SGT信贷政策的变化，通过讨论其在中小企业贷款市场上与大型银行的激烈竞争如何削弱其利润基础，本研究指出了阻止SGT创建其Pro…的结构性问题最大股东东京都政府在新银行总体规划中预期的更合适的基础。这项研究将SGT的信贷组合与东京另一家地区性银行东京之星银行的信贷组合进行了比较。指出SGT未能保持必要的贷款利差(银行租金)以弥补相关的信用风险。通过比较积极推动快速贷款的福冈银行和一直保守的大分银行的信贷政策，指出采用评分模型的快速贷款有助于提高其盈利能力。然而，这种交易银行方式容易受到经济环境和信贷政策不时变化的影响。本研究有助于提供基本数据和理论框架，以论证交易银行如何并不总是确保金融资源向中小企业的稳健中介，并论证重构关系银行作为创新中小企业金融配置稳健处方的政策含义。较少

This research aims to analyze mainly (1) the credit risk management and corporate strategy of Shin-Ginko Tokyo Limited' (SGT), which is a bank with the primary service of extending loans without collateral to small and medium-sized enterprises (SMEs) using credit scoring model, in other words, upon a transaction-banking method. It also aims to analyze (2) the credit policy of Regional banks (we choose the Fukuoka Bank as a top-tier bank in Kyushu and the Oita Bank as a second tier bank) promoting the revival of financial intermediation to SMEs by strengthening a "relationship-banking" method.This research aims to watch the change in credit policy of SGT by analyzing its financial statements and the secondary data collected through various interviews with the SGT's management Through discussing how its profit base has been undermined by severer competition with Mega-banks in the SME loan market, this research points out the structural problems of preventing the SGT from creating its pro … More fit base as expected in the Master-Plan for New Bank by the Tokyo Metropolitan Government, the largest shareholder. This research compares the SGT's credit portfolio with that of the Tokyo Star Bank, which is another regional bank in Tokyo. It points out how the SGT fails to keep the necessary loan spread (bank rents) to cover the associated credit riskThrough the comparison of credit policy between the Fukuoka Bank which has been active for promoting Quick Loans using scoring model to expand the loan exposure towards SMEs, and the Oita Bank which has been conservative against Quick Loans, this research points out that Quick Loans using scoring model contributed to improving the profitability. However, such a transaction banking method is susceptible to economic environment and credit policy to be changed from time to time. This research contributes to providing the basic data and theoretical frameworks to argue how transaction banking does not always ensure sound intermediation of financial resources towards SMEs and to argue the policy implication for reconstructing relationship banking as a prescription for the soundness in financial allocation for innovative SMEs. Less