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Limits on relationship lending and influences of new lending technology for small and medium-sized enterprises

Research Project

Project/Area Number 20530279
Research Category

Grant-in-Aid for Scientific Research (C)

Allocation TypeSingle-year Grants
Section一般
Research Field Public finance/Monetary economics
Research InstitutionOsaka Prefecture University

Principal Investigator

KANO Masaji  Osaka Prefecture University, 経済情報学部, 教授 (50319787)

Project Period (FY) 2008 – 2010
Project Status Completed (Fiscal Year 2010)
Budget Amount *help
¥2,730,000 (Direct Cost: ¥2,100,000、Indirect Cost: ¥630,000)
Fiscal Year 2010: ¥910,000 (Direct Cost: ¥700,000、Indirect Cost: ¥210,000)
Fiscal Year 2009: ¥910,000 (Direct Cost: ¥700,000、Indirect Cost: ¥210,000)
Fiscal Year 2008: ¥910,000 (Direct Cost: ¥700,000、Indirect Cost: ¥210,000)
Keywordsリレーションシップ貸出 / リレーションシップバンキング / 中小企業 / メインバンク / 地域金融 / 中小企業金融 / 貸出技術 / 貸出手法 / ソフト情報 / 取引銀行数 / クレジット・スコアロング / 動産担保貸出 / ABL / 不動産担保
Research Abstract

This study focuses on relationship lending, in particular, among various lending technologies for small and medium-sized enterprises and considers the limits and subjects of such lending historically and empirically. Soft information has already been absorbed and accumulated, but its function in examining loan application has changed. In Japan, relationships tend to be ultra long compared with those in Western countries. This is probably influenced by the traditional lending method in which a fixed collateral right is established and is particularly remarkable in rural areas. Relationships change more frequently for those small and medium-sized enterprises that have high growth potential. The number of relationships will also increase and decrease according to economic factors. There are also limits on relationship lending, such as small and medium-sized enterprises that have changed a relationship tend to do so again. Regional financial institutions are thus expected to tailor their original business models according to the characteristics of each region.

Report

(4 results)
  • 2010 Annual Research Report   Final Research Report ( PDF )
  • 2009 Annual Research Report
  • 2008 Annual Research Report
  • Research Products

    (10 results)

All 2011 2010 2009 2008 Other

All Journal Article (8 results) Book (1 results) Remarks (1 results)

  • [Journal Article] 銀行と中小企業のリレーションシップの期間2011

    • Author(s)
      加納正二
    • Journal Title

      Review of Economics and Information Studies Vol.12,No.1,2(近刊予定)

    • NAID

      110008904338

    • Related Report
      2010 Final Research Report
  • [Journal Article] 中小企業貸出におけるリレーションシップ数の決定要因2011

    • Author(s)
      加納正二
    • Journal Title

      Review of Economics and Information Studies Vol.11,No.3,4

      Pages: 73-86

    • NAID

      110008151248

    • Related Report
      2010 Final Research Report
  • [Journal Article] 中小企業貸出におけるリレーションシップ数の決定要因2011

    • Author(s)
      加納正二
    • Journal Title

      Review of Economics and Information Studies

      Volume: Vol.11, No.3,4 Pages: 73-86

    • NAID

      110008151248

    • Related Report
      2010 Annual Research Report
  • [Journal Article] 銀行と中小企業のリレーションシップの期間2011

    • Author(s)
      加納正二
    • Journal Title

      Review of Economics and Information Studies

      Volume: Vol.12, No.1,2(近刊予定)

    • NAID

      110008904338

    • Related Report
      2010 Annual Research Report
  • [Journal Article] 地域金融機関の貸出技術とビジネスモデル2010

    • Author(s)
      加納正二
    • Journal Title

      Review of Economics and Information Studies Vol.11,No.1,2

      Pages: 35-46

    • NAID

      110007671192

    • Related Report
      2010 Final Research Report
  • [Journal Article] 地域金融機関の貸出技術とビジネスモデル2010

    • Author(s)
      加納正二
    • Journal Title

      Review of Economics and Information Studies

      Volume: Vol.11, No.1,2 Pages: 35-46

    • NAID

      110007671192

    • Related Report
      2010 Annual Research Report
  • [Journal Article] わが国のリレーションシップ貸出と不動産担保2009

    • Author(s)
      加納正二
    • Journal Title

      経済研究 55巻

      Pages: 37-50

    • NAID

      120002385642

    • Related Report
      2010 Final Research Report
  • [Journal Article] わが国のリレーションシップ貸出と不動産担保2009

    • Author(s)
      加納正二
    • Journal Title

      経済研究 55

      Pages: 37-50

    • NAID

      120002385642

    • Related Report
      2009 Annual Research Report 2008 Annual Research Report
  • [Book] 経済学・経営学・法学へのいざない(地域金融・中小企業金融の研究)2008

    • Author(s)
      加納正二
    • Publisher
      大阪公立大学出版会
    • Related Report
      2010 Final Research Report
  • [Remarks] ホームページ等

    • Related Report
      2010 Final Research Report

URL: 

Published: 2008-04-01   Modified: 2016-04-21  

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