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2001 Fiscal Year Final Research Report Summary

An Empirical Analysis on Profitability for Shinkin Banks

Research Project

Project/Area Number 12630104
Research Category

Grant-in-Aid for Scientific Research (C)

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

Principal Investigator

HORIE Yasuhiro  Faculty of Economics, Kyushu University, Prof., 大学院・経済学研究院, 教授 (80209288)

Co-Investigator(Kenkyū-buntansha) KAWAMUKAI Hajime  Kobe Univ. of Commerce, Department of Management Science, Ass. Prof., 商経学部, 助教授 (30234123)
Project Period (FY) 2000 – 2001
KeywordsRegional banking system / Shinkin banks / Spatial statistical data / Empirical analysis / Local economic, marketing Environment
Research Abstract

We had investigated that local market environment of Shinkin Banks utilizing the grid statistical data of Population Census in 1995 and Establishment and Enterprise Census in 1996 by Ministry of Public Management. By specifying the longitude and latitude of branches of all types of banks in Japan, we have calculated the grid statistical system code of the location of branches and we have obtained the market environment of Shinkin banks based on the location of branches. By utilizing these grid statistical code, we have estimated local economic and market environment for each branches by counting the competitive bank branch numbers, the number of enterprise, the number of households and so on. Our research proposes a more precise method for the local economic conditions for Shinkin Banks instead of using data based on municipal area, which had been used in other studies.
We have obtained the following results based on the statistical databases we have built. Tracing from index of the ret … More urns of asset, main customers of the Shinkin Banks are different by their local economic conditions. Shinkin Banks, that spread over branches in the area, where a good amount of establishments and households exist, target larger enterprises in terms of their capital and vise versa. From the viewpoint of competitiveness, the competitive counterpart of Shinkin Banks differs from the local market conditions. The Shinkin Banks which locate their branches in urbanized or developed area, compete with upper class financial institutions, like local banks, however, those who spread their branches in rural or less populated area, compete with lower class financial institution like other Shinkin Banks or Credit Cooperatives.
From the Analysis of mergers in Shinkin Banks, in the late 1990's we could not find the clear difference between the leaders and followers in the case of mergers. However, in 2000's, we could show clear difference between the leaders and followers in mergers. The conditions of non performing loans are extremely different between the leaders and followers, while the local market and economic conditions are similar. This result indicates that reforming branch systems are very important for the profitability recovery through efficiently usage of resources and reduction of costs after mergers. Less

  • Research Products

    (12 results)

All Other

All Publications (12 results)

  • [Publications] 堀江康煕: "信用金庫の収益力分析"九州経済学会年報. 第38集. 53-58 (2000)

    • Description
      「研究成果報告書概要(和文)」より
  • [Publications] 川向 肇: "メッシュデータを活用した関西地域における地域協同組織金融機関の収益性の分析"地理情報システム学会講演論文集. 第9巻. 215-219 (2000)

    • Description
      「研究成果報告書概要(和文)」より
  • [Publications] 堀江康煕: "地域金融機関の不良債権"経済学研究. 第67巻2号. 37-67 (2000)

    • Description
      「研究成果報告書概要(和文)」より
  • [Publications] 堀江康煕, 川向 肇: "大都市圏に於ける信用金庫の営業地盤"経済学研究. 第67巻6号. 1-30 (2001)

    • Description
      「研究成果報告書概要(和文)」より
  • [Publications] 川向 肇: "店舗周辺特性から見た西日本地区の信用金庫の分類に関する一考察"商大論集. 第53巻5号(予定). (2002)

    • Description
      「研究成果報告書概要(和文)」より
  • [Publications] 堀江康煕, 川向 肇: "信用金庫の営業地盤と合併問題"経済学研究. 第68巻4・5号(予定). (2002)

    • Description
      「研究成果報告書概要(和文)」より
  • [Publications] H. Kawamukai and Y. Horie: "Management An Empirical Study of the Profitability of Local Cooperative Banks"Proceedings of Conference in Japan Society for Information in 2000. 298-301 (2000)

    • Description
      「研究成果報告書概要(欧文)」より
  • [Publications] Y. Horie: "An Empirical Analysis of Profitability for Shinkin Banks"The Annual Report of Economic Science, Kyushu Association of Economic Science. 57-62 (2000)

    • Description
      「研究成果報告書概要(欧文)」より
  • [Publications] H. Kawamukai: "An Empirical Study on the Profitability of Local Cooperatives"Papers and Proceedings of the Geographical Information Systems Association. 9. 215-218 (2000)

    • Description
      「研究成果報告書概要(欧文)」より
  • [Publications] Y. Horie: "Non Performing Loans in Local Financial Institutions"Journal of Political Economy. 67-2. 37-67 (2000)

    • Description
      「研究成果報告書概要(欧文)」より
  • [Publications] Y. Horie and H. Kawamukai: "Business Environment of Shinkin Banks in Urbanized Area"Journal of Political Economy. 67-6. 1-30 (2001)

    • Description
      「研究成果報告書概要(欧文)」より
  • [Publications] Y. Horie and H. Kawamukai: "Statistical Analysis on the Local Market Environment of Shinkin Banks"Journal of Political Economy. 68-4・5 (forthcoming). (2002)

    • Description
      「研究成果報告書概要(欧文)」より

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Published: 2003-09-17  

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