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Management of Regional Banks under the Financial Crisis-in relation to the history of local development

金融危机下地方银行的经营管理——与地方发展史的关系

基本信息

批准号：
09303002
负责人：
ISHII Kanji
金额：
$ 10.94万
依托单位：
Tokyo Keizai University (1998-1999)The University of Tokyo (1997)
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (A)
财政年份：
1997
资助国家：
日本
起止时间：
1997 至 1999
项目状态：
已结题

来源：
https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-09303002/
关键词：
financial crisis regional bank local development merger of banks relief of bank bad debts bankruptcy inspection of loans 貸出調査

项目摘要

Through the analysis of the management of regional banks under the financial crisis in the 1920s, we found many important facts as follows.(1) In the financial crisis of 1927, many big regional banks had to change their policies because of the outflow of their deposits as well as some urban banks.(2) The origines of the failure of banks in 1927 were loose loans made by them during the 1910s and relief financing made by the Bank of Japan(BOJ) afterwards.(3) The regional banks at that time had no inspection section of loans and they tried to research the credit of customers often depending on detective agencies.(4) The dehavior of the regional banks especially in the Western Japan was strongly affected by the activities of the urban banks.(5) The regional banks such as the Wakao bank or the Fortythree bank went bankrupt by failure in the loans to the enterprises of the big cities.(6) The development of billbroker banks in the 1910s ended in the crises of 1920 and gave up their seats to the short-term capital companies controlled by BOJ.(7) New amalgamated banks such as the Shinano bank and Hyuga-chuo bank went bankrupt soon because of the insufficient disposal of the bad debt.(8) When the core bank in the prefecture failed, the prefectual government of Iwate, Miyagi, Gunma established new bank.(9) The relief finance was made not only by BOJ but also the Hypothec Bank of Japan and the Agriculture and Industry Banks.

通过对20世纪20年代金融危机下地区性银行经营管理的分析，我们发现了以下几个重要事实：（1）1927年金融危机中，许多大型地区性银行以及一些城市银行都因存款外流而不得不改变政策。（2）1927年银行倒闭的根源在于它们在1910年代发放的宽松贷款和英国央行的救助融资。日本（日本央行）后来。（3）当时的地方银行没有贷款检查部门，他们往往依靠侦探机构来研究客户的信用。（4）特别是西日本的地方银行的行为受到城市银行活动的强烈影响。（5）若尾银行或四十三银行等地方银行因未能向日本企业提供贷款而破产。 (6) 1910年代票据经纪银行的发展在1920年的危机中结束，并将席位让给了日本央行控制的短期资本公司。(7)信浓银行、日向中央银行等新合并银行因坏账处置不力，很快破产。(8)当县内核心银行倒闭时，县政府岩手县、宫城县、群马县设立新银行。(9)救助资金不仅由日本央行提供，还包括日本质押银行和农工银行。