Empirical analysis on the performance of the Japanese financial system from the perspective of financial service users
| Project/Area Number |
14530108
|
|---|
| Research Category |
Grant-in-Aid for Scientific Research (C)
|
| Allocation Type | Single-year Grants |
|---|
| Section | 一般 |
|---|
| Research Field |
Public finance/Monetary economics
|
|---|
| Research Institution | Nagoya University |
|---|
Principal Investigator |
YAMORI Nobuyoshi Nagoya University, Graduate School of Economics, Professor, 大学院・経済学研究科, 教授 (80220515)
|
|---|
| Project Period (FY) |
2002 – 2005
|
| Project Status |
Completed (Fiscal Year 2005)
|
| Budget Amount *help |
¥3,600,000 (Direct Cost: ¥3,600,000)
Fiscal Year 2005: ¥500,000 (Direct Cost: ¥500,000)
Fiscal Year 2004: ¥700,000 (Direct Cost: ¥700,000)
Fiscal Year 2003: ¥1,300,000 (Direct Cost: ¥1,300,000)
Fiscal Year 2002: ¥1,100,000 (Direct Cost: ¥1,100,000)
|
|---|
| Keywords | Housing Finance / Financial Reorganization / Relationship Banking / Regional Finance / Personal Finance / Household Finance / Housing Loan Corporation / Financial Reform / 信用金庫 / 協同組織金融機関 / ソフト情報 / 中小企業 / 企業金融 / 金融システム / 生活者金融 / 住宅ローン / 銀行店舗 / アンケート調査 / 日米保険協議 / 自由化 / ペイオフ / 中小企業金融 / 信用保証制度 / ガバナンス / 銀行 / 金融サービス / 中小企業貸出 / 保険 / 預金者保護 |
|---|
| Research Abstract |
This research project was executed for four years. We focus on the effect of the financial reform on the household and the small and medium-sized enterprises, which are important users of the financial services. First of all, what influence the deregulation of the finance in recent years chiefly gave to the household sector was analyzed. Concretely, the problem of the housing loan was taken up. However, we find that the benefits of the liberalization have not been realized yet. Especially, the abolition of the Housing Loan Corporation may have made local housing loan market less competitive.
On the other hand, the enhancement of the relationship banking function was analyzed in terms of the small business finance. In the paper "Regional financial system and small business finance" published in RP review, I argued that the informational problem in the small business finance is not completely canceled even if the telecommunication technology develops, and I discussed that the small business finance will remain regional. I concluded that soft information might be lost in the process of the M&A in the banking industry, and the enhancement of relationship banking function of the regional financial institutions is important to supplement the negative effect of the mega-bank reorganization and the governmental financial institutions' reform.
|
Report
(5 results)
Research Products
(32 results)
