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".

本研究的主要目的是分析：(1)新银杏东京有限公司（SGT）的信用风险管理和企业战略，该公司是一家主要服务于中小企业（SMEs）的无抵押贷款银行，使用信用评分模型，即交易银行方法。本文还旨在分析(2)区域银行的信贷政策（我们选择福冈银行作为九州一级银行，大分银行作为二级银行）通过加强“关系银行”方法促进中小企业金融中介的复兴。本研究旨在通过分析SGT的财务报表和通过对SGT管理层的各种访谈收集的二手数据来观察SGT信贷政策的变化。通过讨论其利润基础如何因与大型银行在中小企业贷款市场的激烈竞争而受到损害。本研究指出了阻碍SGT在新银行总体规划中创造更合适的基础的结构性问题，这是最大股东东京都政府所期望的。本研究将SGT的信贷组合与东京另一家区域性银行东京之星银行进行了比较。指出SGT如何未能保持必要的贷款利差（银行租金）来覆盖相关的信用风险。通过对福冈银行和大分银行的信贷政策进行比较，福冈银行一直积极推广使用评分模型来扩大对中小企业的贷款敞口，而大分银行一直对快速贷款持保守态度，本研究指出快速贷款使用评分模型有助于提高盈利能力。但是，这种交易银行方式容易受到经济环境和信贷政策变化的影响。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对中小企业的良好中介，并论证关系银行作为创新型中小企业金融配置的健全处方的重构政策含义。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