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Empirical analysis on the performance of the Japanese financial system from the perspective of financial service users

Research Project

Project/Area Number 14530108
Research Category

Grant-in-Aid for Scientific Research (C)

Allocation TypeSingle-year Grants
Section一般
Research Field Public finance/Monetary economics
Research InstitutionNagoya 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)
KeywordsHousing 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)
  • 2005 Annual Research Report   Final Research Report Summary
  • 2004 Annual Research Report
  • 2003 Annual Research Report
  • 2002 Annual Research Report
  • Research Products

    (32 results)

All 2005 2004 Other

All Journal Article (18 results) Book (1 results) Publications (13 results)

  • [Journal Article] 信用金庫は再編にどう取り組むべきなのか?2005

    • Author(s)
      家森信善
    • Journal Title

      信金中金月報 8月号

      Pages: 2-20

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Annual Research Report 2005 Final Research Report Summary
  • [Journal Article] 地域金融システムと中小企業金融2005

    • Author(s)
      家森信善
    • Journal Title

      RPレビュー 8月号

      Pages: 14-18

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Annual Research Report 2005 Final Research Report Summary
  • [Journal Article] How should Shinkin Bank should conduct the M&A?2005

    • Author(s)
      Yamori, Nobuyoshi
    • Journal Title

      Shinkin Cyuukin Geppo August

      Pages: 2-20

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Regional Financial System and Small Business Finance2005

    • Author(s)
      Yamori, Nobuyoshi
    • Journal Title

      RP Review August

      Pages: 14-18

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 住宅金融における市場分断仮説の検証-金利データを用いた分析-2005

    • Author(s)
      家森信善
    • Journal Title

      会計検査研究 31号(近刊)

    • Related Report
      2004 Annual Research Report
  • [Journal Article] Are banks affiliated with bank holding companies more efficient than independent banks? The recent experience regarding Japanese regional BHCs2005

    • Author(s)
      Nobuyoshi Yamori(家森信善)
    • Journal Title

      Asia-Pacific Financial Markets (掲載予定)

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 利用者の視点から見た住宅金融改革の成果と課題(前編)-新商品の登場と借入金利の変化を中心に-2004

    • Author(s)
      家森信善
    • Journal Title

      住宅金融月報 7月

      Pages: 32-43

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 利用者の視点から見た住宅金融改革の成果と課題(後編)-地域の住宅金融市場への影響を中心に-2004

    • Author(s)
      家森信善
    • Journal Title

      住宅金融月報 8月

      Pages: 34-45

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Does Regulation Benefit Incumbent Firm? An Investigation of Japanese Insurance Market Deregulation2004

    • Author(s)
      家森信善
    • Journal Title

      Journal of Insurance Regulation 22(4)

      Pages: 35-48

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Results and problems of the housing loan reform seen from users' perspective (first volume)- Appearance of the new products and the change in the loan rates.2004

    • Author(s)
      Yamori, Nobuyoshi
    • Journal Title

      House and Loan Monthly Magazine July

      Pages: 32-43

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Results and problems of the housing loan reform seen from users' perspective (second volume)- Impact on the local housing loan markets.2004

    • Author(s)
      Yamori, Nobuyoshi
    • Journal Title

      House and Loan Monthly Magazine August

      Pages: 34-45

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Does Regulation Benefit Incumbent Firm? An Investigation of Japanese Insurance Market Deregulation2004

    • Author(s)
      Yamori, Nobuyoshi
    • Journal Title

      Journal of Insurance Regulation 22(4)

      Pages: 35-48

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 利用者の視点から見た住宅金融改革の成果と課題(前編) -新商品の登場と借入金利の変化を中心に-2004

    • Author(s)
      家森信善
    • Journal Title

      住宅金融月報 7月

      Pages: 32-43

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 利用者の視点から見た住宅金融改革の成果と課題(後編) -地域の住宅金融市場への影響を中心に2004

    • Author(s)
      家森信善
    • Journal Title

      住宅金融月報 8月

      Pages: 34-45

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 民間金融機関の経営計画と店舗ネットワークの変化2004

    • Author(s)
      家森信善
    • Journal Title

      貯蓄経済季報 秋号

      Pages: 1-21

    • Related Report
      2004 Annual Research Report
  • [Journal Article] Does Regulation Benefit Incumbent Firm? An Investigation of Japanese Insurance Market Deregulation2004

    • Author(s)
      Nobuyoshi Yamori(家森信善)
    • Journal Title

      Journal of Insurance Regulation 22(4)

      Pages: 35-48

    • Related Report
      2004 Annual Research Report
  • [Journal Article] Wealth Effect of Public Funds Injection to Ailing Banks.

    • Author(s)
      家森信善
    • Journal Title

      Japanese Economic Review (forthcoming)

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Wealth Effect of Public Funds Injection to Ailing Banks

    • Author(s)
      Yamori, Nobuyoshi
    • Journal Title

      Japanese Economic Review (forthcoming)

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Book] はじめて学ぶ金融のしくみ2004

    • Author(s)
      家森信善
    • Total Pages
      197
    • Publisher
      中央経済社
    • Related Report
      2004 Annual Research Report
  • [Publications] 家森信善, 西垣鳴人: "わが国の公的金融改革と民営化先進国からの教訓-ニュージーランドにおける郵便貯金事業の経験を中心にして-"郵貯資金研究. 11巻. 65-89 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 家森信善: "ペイオフはグローバルスタンダードか"生活経済学研究. (掲載予定). (2004)

    • Related Report
      2003 Annual Research Report
  • [Publications] 家森信善, 浅井義裕: "ディスクロージャーの強化で生命保険会社の評価は容易になったか?生保ディスクロージャーと格付け"生命保険論集. (掲載予定). (2004)

    • Related Report
      2003 Annual Research Report
  • [Publications] M.Spiegel, N.Yamori: "Financial Turbulence and the Japanese Main Bank"Journal of Financial Services Research. 23(3). 205-223 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] M.Spiegel, N.Yamori: "The Impact of Japan's Financial Stabilization Laws on Bank Equity Values"Journal of Japanese and International Economies. 17. 263-282 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 家森 信善: "地域金融システムの危機と中小企業金融-信用保証制度の役割と信用金庫のガバナンス-"千倉書房. 156 (2004)

    • Related Report
      2003 Annual Research Report
  • [Publications] 家森信善: "ビッグバンの進展と民間住宅金融の展開"(財団法人・住宅金融協会)住宅問題研究. 18(2). 3-29 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] 家森信善, 小林毅: "保険市場の自由化と日本の保険会社:日米保険協議の分析"(財団法人・損害保険事業総合研究所)損害保険研究. 64(2). 63-95 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] 家森信善: "新世紀の中小企業金融の揺らぎと金融仲介機関"商工金融. 52(9). 26-33 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] N.Yamori, K.Kondo: "How did Japanese banks make cutbacks in the 1990s?"International Journal of Business. 7(1). 45-81 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] 家森信善: "長期不況下における中小企業金融と信用保証協会の役割 2002年10月"信用保証. 104号. 2-6 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] 家森信善, 浅井義裕: "新しい金融システムの中でのコーポレートガバナンスの担い手としての生命保険会社"生命保険論集. No.141. 111-140 (2002)

    • Related Report
      2002 Annual Research Report
  • [Publications] 藤原賢哉, 家森信善ほか合計14名: "金融論入門"中央経済社. 219 (2002)

    • Related Report
      2002 Annual Research Report

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Published: 2002-04-01   Modified: 2016-04-21  

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