The Empirical Research of the Treatments for Bad Loans and the Efforts for Streamlining the Management in the Japanese Banking Sector in the 1990's

本项目的目的是研究银行管理层的量化分析，根据业绩恶化，并从公司治理的角度精简日本银行业的管理层。从资本市场、股东构成、连锁持股等角度对公司治理进行了分析，并不断探索。为了重构方法，我们重新审视了使用会计数据进行管理流动的努力，例如成本与资产比率。我们划分了三个时期，分别是“泡沫”时期(1984年-)、“泡沫”经济崩溃后的紧随时期(1990年-1995年)和最近的时期(1996年-2001年)。此外，我们还考察了业务类型、业务业绩、重组、负债率和经济规模的影响。因此，它被联席…后立即取得积极进展的多元化所吸引。20世纪90年代中期S之后，管理努力进展缓慢或已经达到极限的“泡沫”经济更加破灭。此外，业绩健康线等的成本与资产比率在泡沫时期被下调。强劲的结果既没有出现在业务类型上，也没有出现在重组方面。另一方面，负债率、资产规模和上一年的水平对多元化的影响很大。此外，我们还研究了日本其他金融行业的竞争程度。自20世纪90年代初的股市崩盘以来，证券行业的竞争变得更加激烈。自1995年以来，保险业的竞争变得更加激烈。相反，从1995年到1997年，这家日本银行变得更具竞争力。然而，1997年后，银行对精简管理的态度还不够，此外，平成衰退中的不良贷款问题还取决于宏观因素，而根源于银行业本身，而不愿放贷也是真正意义上的需求过剩，也清楚地表明供给太少不是原因。较少

The objective of this project was to research measurement-analysis of extraction of the bank of management aggravation according to performance, and streamlining the management in the Japanese banking sector in terms of corporate governance. It was analyzed corporate governance from the point of view of a capital market, the stockholder's composition, interlocking stockholding, etc., it is inquiring continuously.To reconstruct the method, we reexamined the efforts to stream the management using accounting data; for example, the ratio of cost to assets. We scoped three periods, which are divided the period of the "bubble" term (1984-1989), the period immediately after the collapse of the "bubble" economy (1990-1995), and the recent period (1996-2001). Also, we investigated the influences of types of business, business achievement, reorganization, the debt ratio, and the economic scale. As a result, it was drawn to the diversification having progressed positively immediately after the co … More llapse of the "bubble" economy that management efforts are progressing slowly or have already reached the limit after the middle of the 1990's. In addition, the ratio of cost to assets of a performance healthy line etc. was cut low at the bubble term. The robust result has appeared neither in types of business nor reorganization. On the other hand, it turns out that the level of a debt ratio, a property scale, and the preceding year has affected the diversification greatly.Moreover, we studied the degree of competition in other Japanese financial industries. The security industry had become more competitive since the stock market crash, the beginning of 1990's. The insurance industry had turned out more competitive since 1995. On the contrary, the Japanese bank became more competitive from 1995 to 1997. However, the attitude for streamlining the management by banks was not enough after 1997.In addition, it not being what adds, depends the bad-loans problem in the Heisei Recession on a macro factor, and originates in the bank industry in itself, and reluctance to lend are also what excess demand caused in the meaning, and also showed clearly that too little supply is not the cause. Less