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2005 Fiscal Year Final Research Report Summary

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
KeywordsCredit Rating / Nonperforming Loan / Market Environment / Stock Price / Financial Soundness / Return to Home Prefecture / Abolition of Branches / Business Relations
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.

  • Research Products

    (9 results)

All 2005 2004 2003

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

  • [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
  • [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

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

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

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

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

URL: 

Published: 2007-12-13  

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