Empirical Studies of Interbank Competition and Relationship Banking

2008 Fiscal Year Final Research Report

• Project/Area Number: 18730215
• Research Category: Grant-in-Aid for Young Scientists (B)
• Allocation Type: Single-year Grants
• Research Field: Public finance/Monetary economics
• Research Institution: Ritsumeikan University (2008); Hitotsubashi University (2006-2007)
• Principal Investigator: OGURA Yoshiaki Ritsumeikan University, 経営学部, 准教授 (70423043)
• Project Period (FY): 2006 – 2008
• Keywords: 銀行論

Research Abstract

中小企業向けの銀行取引関係に関するアンケート調査の個票データに,各地域の融資市場の競争度を接続したデータを用いて統計的分析を行ったところ,以下のことが明らかとなった.
(1)融資市場の競争増加は各金融機関の企業固有の信用情報収集意欲を阻害する傾向がある.
(2)このような融資市場の競争増加に伴う企業と銀行の関係の希薄化は,新規企業の融資利用可能性を低下させる傾向がある.
(3)金融機関の合併は,競争を低下させる一方で組織の拡大をもたらすため,上述の情報収集を低下させる傾向がある.

Research Products

• [Journal Article] 金融機関の経営統合とソフトな情報の毀損 (2008)
  • Author(s): 小倉義明・内田浩史
  • Journal Title: 経済研究 第59巻2号 Pages: 153-163
  • Peer Reviewed
• [Presentation] Lending Competition, Relationship Banking, and Credit Availability for Entrepreneurs (2008)
  • Author(s): Ogura, Y.
  • Organizer: Financial Intermediation Research Society, Biannual Conference on Banking, Corporate Finance, and Intermediation
  • Place of Presentation: AK, USA
  • Year and Date: 2008-06-07
• [Presentation] Bank Consolidation and Soft Information Acquisition in Small Business Lending, (2007)
  • Author(s): Ogura, Y., and Uchida, H.
  • Organizer: Journal of Financial Service Research
  • Place of Presentation: USA
  • Year and Date: 2007-11-30
• [Presentation] Bank Consolidation and Soft Information Acquisition in Small Business Lending, (2007)
  • Author(s): Ogura, Y., and Uchida, H.
  • Organizer: 日本金融学会秋季大会
  • Place of Presentation: 京都
  • Year and Date: 2007-09-09
• [Presentation] Lending Competition, Relationship Banking, and Credit Availability for Entrepreneurs, (2007)
  • Author(s): Ogura, Y.
  • Organizer: 日本経済学会春季大会
  • Place of Presentation: 大阪
  • Year and Date: 2007-06-03
• [Presentation] Does lending competition promote relationship banking? Evidence from the US small business financing data, (2006)
  • Author(s): Ogura, Y.
  • Organizer: The 30th Anniversary of the Journal of Banking and Finance Conference
  • Place of Presentation: Beijing, China
  • Year and Date: 2006-06-07