| Budget Amount *help |
¥4,420,000 (Direct Cost: ¥3,400,000、Indirect Cost: ¥1,020,000)
Fiscal Year 2019: ¥1,560,000 (Direct Cost: ¥1,200,000、Indirect Cost: ¥360,000)
Fiscal Year 2018: ¥1,560,000 (Direct Cost: ¥1,200,000、Indirect Cost: ¥360,000)
Fiscal Year 2017: ¥1,300,000 (Direct Cost: ¥1,000,000、Indirect Cost: ¥300,000)
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| Outline of Final Research Achievements |
We obtained the following empirical findings about the interaction between an inter-firm demand network and a bank relationship. First, we found that an influential core company as a buyer in an inter-firm network was more likely to obtain forbearance lending in a recession, and that this tendency was more significant in a more concentrated loan market. Second, we found that a bank uses more private information in their loan pricing for borrowers whose suppliers and customers also use the bank as their main bank. Third, banks take more credit risk in a more competitive market where local loan demand is weak due to the population aging.
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