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）以中小企业为对象，利用信用评分模型，即交易银行法，提供无抵押贷款服务的新银行东京株式会社（SGT）的信用风险管理和企业战略。第二部分是区域性银行的信贷政策分析（我们选择福冈银行作为九州的顶级银行，大分银行作为二级银行）通过加强“关系银行”，促进中小企业金融中介的复兴方法。本研究旨在通过分析SGT的财务报表和通过各种访谈收集的二手数据，观察SGT信贷政策的变化。本文通过探讨在中小企业贷款市场上与大型银行的竞争如何削弱了SGT的利润基础，指出了阻碍SGT创造利润的结构性问题。 ...更多信息 最大股东东京都政府在新银行总体规划中预期的合适基础。本研究比较了SGT的信贷组合与东京星星银行，这是东京的另一个地区银行。它指出了SGT如何未能保持必要的贷款息差（银行租金）来弥补相关的信贷风险通过比较积极推行快速贷款以利用评分模型扩大对中小企业的贷款敞口的福冈银行和对快速贷款持保守态度的大分银行的信贷政策，本研究指出，快速贷款使用计分模式有助于改善获利能力。然而，这种交易银行方法容易受到经济环境和信贷政策的影响，会不时发生变化。本研究有助于提供基本数据和理论框架，以论证交易银行业务如何并不总是确保金融资源对中小企业的良好中介，并论证重建关系银行作为创新型中小企业金融配置的合理性处方的政策含义。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