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A STUDY ON THE ECONOMIC ENVIRONMENT OF BANKS IN METROPOLITAN AREA AND THEIR NON-PERFORMING LOANS

Research Project

Project/Area Number 14203008
Research Category

Grant-in-Aid for Scientific Research (A)

Allocation TypeSingle-year Grants
Section一般
Research Field Public finance/Monetary economics
Research InstitutionKYUSHU UNIVERSITY

Principal Investigator

HORIE Yasuhiro  KYUSHU UNIVERSITY, Faculty of Economics, Professor, 大学院・経済学研究院, 教授 (80209288)

Co-Investigator(Kenkyū-buntansha) KAWAMUKAI Hajime  University of Hyogo, Graduate School of Applied Informatics, Associate Professor, 大学院・応用情報科学研究科, 助教授 (30234123)
Project Period (FY) 2002 – 2005
Project Status Completed (Fiscal Year 2005)
Budget Amount *help
¥31,720,000 (Direct Cost: ¥24,400,000、Indirect Cost: ¥7,320,000)
Fiscal Year 2005: ¥1,560,000 (Direct Cost: ¥1,200,000、Indirect Cost: ¥360,000)
Fiscal Year 2004: ¥7,150,000 (Direct Cost: ¥5,500,000、Indirect Cost: ¥1,650,000)
Fiscal Year 2003: ¥1,560,000 (Direct Cost: ¥1,200,000、Indirect Cost: ¥360,000)
Fiscal Year 2002: ¥21,450,000 (Direct Cost: ¥16,500,000、Indirect Cost: ¥4,950,000)
KeywordsCredit Rating / Nonperforming Loan / Market Environment / Stock Price / Financial Soundness / Return to Home Prefecture / Abolition of Branches / Business Relations / 金融機関の株価 / 短期的な収益力 / ストックとしての健全性 / too-big-to-fail / シンジケート・ローン / 小口ローン / 営業店の改廃 / 関係型取引 / 設立後の年数 / 地元シェア / 営業店舗網 / 金融機関再編 / 支店間距離 / 地域金融機関 / 自己資本比率 / 規模の経済性 / 利益率 / ビジネスモデル / 要注意先 / 要管理先 / 信用リスク / 合併 / 経費率
Research Abstract

We estimated the amount of non-performing loans of Japanese banks in early 2000's in Tokyo metropolitan area, by utilizing the companies' evaluation profile data, issued by Teikoku Data Bank. By using all data of the companies capitalized more than 10 million yen, the result is that 60% of the estimated amount of non-performing loans are from construction, real estates, finance, retail & whole sale companies. Using these micro data, we also explored the relationship between loaned companies and banks from a geographical view point. We have found that the most loaned companies, even for the mega banks, were found in small area with a certain distance from the branches, in Tokyo metropolitan area, due to their movement toward the more profitable retailed loans.
Next, when observing the stock prices for the local banks, their ranges are getting wider, which reflect the serious concerns for the financial performance in long term and soundness of assets, in the stock market. Regarding the loan strategies for these regional banks, we have shown that they have increased both the amount of loans in the regions where their local branches cover, and that of syndicated loans. Our results shows that the key factors for bank survival are having sound financial portfolio and restructuring for efficient banking service. Regarding restructuring of the mega banks, we found the branches, which have less competitors' branches and have a good amount of the clerks, tends to survive in Hanshin Metropolitan Area.
We have also explored the behavior of the enclosure of the good performing firms by being the "main bank".
From our observation, the incentive of being a "main bank" for the mega banks is different between that for regional banks. For the regional banks, particularly, having loans to the good performing firms is more important than being the "main banks", for possible improvement of their financial performances.

Report

(5 results)
  • 2005 Annual Research Report   Final Research Report Summary
  • 2004 Annual Research Report
  • 2003 Annual Research Report
  • 2002 Annual Research Report
  • Research Products

    (34 results)

All 2006 2005 2004 2003 Other

All Journal Article (19 results) Book (3 results) Publications (12 results)

  • [Journal Article] 関西における未上場企業の金融取引に関する実証分析2006

    • Author(s)
      川向 肇
    • Journal Title

      商大論集(兵庫県立大学) 第57巻(予定)

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 地域銀行の経営と貸出行動2005

    • Author(s)
      堀江康煕
    • Journal Title

      経済学研究 (九州大学経済学会) 第71巻第2・3号

      Pages: 45-67

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 関西圏を中心とした都市銀行の支店の立地要因の実証研究2005

    • Author(s)
      川向 肇
    • Journal Title

      商大論集 (兵庫県立大学) 第57巻2号

      Pages: 1-20

    • NAID

      110002555863

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 地域金融機関の将来2005

    • Author(s)
      堀江康煕
    • Journal Title

      フィナンシャル・レビュー (財務省財務総合政策研究所) 第79号

      Pages: 188-217

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 地域銀行の経営戦略2005

    • Author(s)
      堀江康煕
    • Journal Title

      地域金融と企業の再生(堀江康煕編著、中央経済社) 第1章

      Pages: 3-31

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 地域金融機関と企業取引2005

    • Author(s)
      堀江康煕
    • Journal Title

      ノモス(関西大学法学研究所) 第16号

      Pages: 51-68

    • NAID

      110004721591

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 郵貯の民営化について2005

    • Author(s)
      堀江康煕
    • Journal Title

      経済学研究(九州大学経済学会) 第72巻第1号

      Pages: 27-36

    • NAID

      110006263608

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 関西圏を中心とした都市銀行の支店の立地要因の実証研究2005

    • Author(s)
      川向 肇
    • Journal Title

      商大論集(兵庫県立大学) 第57巻第2号

      Pages: 1-20

    • NAID

      110002555863

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 地域金融機関の将来2005

    • Author(s)
      堀江康煕
    • Journal Title

      フィナンシャル・レビュー(財務省財務総合政策研究所) 第79号

      Pages: 188-217

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 地域金融の将来と郵便貯金2005

    • Author(s)
      堀江康熙
    • Journal Title

      日本人のちから(東京財団) 第16号

      Pages: 10-11

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 地域銀行の経営と貸出行動2005

    • Author(s)
      堀江康熙
    • Journal Title

      経済学研究 第71巻第2・3号(予定)

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 都市銀行の支店変遷要因の分析2005

    • Author(s)
      川向 肇
    • Journal Title

      商大論集 (予定)

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 地域金融機関の店舗展開の変遷について2004

    • Author(s)
      川向 肇
    • Journal Title

      地理情報システム学会講演論文集 第13巻

      Pages: 213-221

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary 2004 Annual Research Report
  • [Journal Article] 企業の取引銀行数の決定要因2004

    • Author(s)
      堀江康熙
    • Journal Title

      経済学研究 第70巻第4・5号

      Pages: 287-309

    • NAID

      110006263423

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 優良先の「囲み込み」競争が激化 格差が拡大する金融機関の収益力2004

    • Author(s)
      堀江康熙
    • Journal Title

      金融ジャーナル 2004.8月号

      Pages: 57-62

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 大都市圏に於ける不良債権問題2003

    • Author(s)
      堀江康煕
    • Journal Title

      経済学研究 九州大学経済学会 第69巻第1・2豪

      Pages: 47-71

    • NAID

      110006262528

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 地域金融機関の行動と特徴2003

    • Author(s)
      堀江康煕
    • Journal Title

      グローバリゼーションと地域経済・公共政策 2 (大住圭介, 堀 宣昭編)(九州大学出版会) 第3章

      Pages: 55-90

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Credit Rating and Nonperforming Loans2003

    • Author(s)
      Y.Horie
    • Journal Title

      Discussion Paper(Faculty of Economics, Kyushu University) No.2003-6

      Pages: 35-35

    • NAID

      40006044512

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Monetary Policy and Problem Loans2003

    • Author(s)
      Y.Horie
    • Journal Title

      Discussion Paper(Faculty of Economics, Kyushu University) No.2003-4

      Pages: 35-35

    • NAID

      40006044510

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Book] 地域金融と企業の再生2005

    • Author(s)
      堀江康煕(編著)
    • Total Pages
      257
    • Publisher
      中央経済社
    • Related Report
      2005 Annual Research Report
  • [Book] 地域経済の再生と公共政策2004

    • Author(s)
      堀江康煕
    • Total Pages
      245
    • Publisher
      中央経済社
    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Book] 地域経済の再生と公共政策2004

    • Author(s)
      堀江康熙(編著)
    • Total Pages
      245
    • Publisher
      中央経済社
    • Related Report
      2004 Annual Research Report
  • [Publications] 堀江康煕: "地域金融機関の行動と特徴"大住圭介, 堀宣昭編『グローバリゼーションと地域経済・公共政策2』 九州大学出版会. 55-90 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 堀江康煕: "信用格付を用いた不良債権規模の推計"九州経済学会年報. 第41集. 115-120 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 堀江康煕: "ペイオフ全面解禁への備えは -健全性の確保と十分な情報開示を"『金融ジャーナル』2003.12月号. 2003.12月号. 12-13 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 堀江康煕: "Credit Rating and Nonperforming Loans"Discussion Paper, Faculty of Economics, Kyushu University. No.2003-6. 35 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 川向 肇: "東京都下における金融機関の支店の変化に関する計量的分析"神戸商科大学経済研究所 研究資料. 16 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 堀江康煕(編著): "現代金融の経済学"日本評論社. 257 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 堀江康煕: "大都市圏に於ける不良債権問題"経済学研究. 69巻1・2号. 47-71 (2003)

    • Related Report
      2002 Annual Research Report
  • [Publications] 堀江康煕: "近年の不良債権問題"九州経済学会年報. 第40集. 217-222 (2003)

    • Related Report
      2002 Annual Research Report
  • [Publications] 堀江康煕: "地域金融機関の経営効率化問題"地銀協月報. 2002.10月. 2-12 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] 堀江康煕: "信用金庫の経営課題"信用金庫. 2002.12月. 2-6 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] 堀江康煕: "地域金融機関の再編と課題"金融ジャーナル. 2003.1月号. 23-26 (2003)

    • Related Report
      2002 Annual Research Report
  • [Publications] 堀江康煕: "目指すビジネスモデルへの体制整備が急務"金融ジャーナル. 2002.6月号. 75-78 (2002)

    • Related Report
      2002 Annual Research Report

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Published: 2002-04-01   Modified: 2016-04-21  

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