Limits on relationship lending and influences of new lending technology for small and medium-sized enterprises
| Project/Area Number |
20530279
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| Research Category |
Grant-in-Aid for Scientific Research (C)
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| Allocation Type | Single-year Grants |
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| Section | 一般 |
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| Research Field |
Public finance/Monetary economics
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| Research Institution | Osaka Prefecture University |
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Principal Investigator |
KANO Masaji Osaka Prefecture University, 経済情報学部, 教授 (50319787)
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| Project Period (FY) |
2008 – 2010
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| Project Status |
Completed (Fiscal Year 2010)
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| 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)
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| 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 |
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| 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.
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Report
(4 results)
Research Products
(10 results)
