2014 Fiscal Year Final Research Report
A study of the relationship between competition and accessibility in the deregulated financial market in Japan
| Project/Area Number |
24530278
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| Research Category |
Grant-in-Aid for Scientific Research (C)
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| Allocation Type | Multi-year Fund |
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| Section | 一般 |
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| Research Field |
Applied economics
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| Research Institution | Kyoto Gakuen University |
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Principal Investigator |
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| Project Period (FY) |
2012-04-01 – 2015-03-31
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| Keywords | 規制緩和 / 地域金融機関 / 店舗サービス / 個人年金保険 |
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| Outline of Final Research Achievements |
The purpose of this study is to examine the effects of the deregulation on the accessibility for individual customers to financial institutions. Constructing a database on them in each municipality, the analysis indicated both the population and the size of area positively relate to the number of branches. However, the impacts of the other demographic factors are different between the types of institutions. The subsequent analysis could generate the alternative measures to calculate the financial services provided through the branches. While the proceeding dissection exploits them to explain the behaviors of regional banks, it has already shown they can control the effects of bank branches in the empirical model to examine the individual annuity market.
The present results of this study elucidate the individual demand for the financial services strongly relates to the dense of the supply channels in an area and it is attenuated in rural areas by escalated competition in the other areas.
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| Free Research Field |
応用経済学
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