Kondo, Kazumine (2012): Do Credit Associations Put Competitive Pressure on Regional Banks in Japanese Regional Lending Markets?
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This paper investigates whether credit associations put competitive pressure on regional banks in Japanese regional lending markets. It was found that credit associations pressure regional banks to set lower lending interest rates in regional markets. In addition, the competitive pressure from credit associations in a prefecture whose share of credit associations is more than 20% is much stronger than in a prefecture whose share of credit associations is less than 20%. In particular, regional banks in a prefecture whose share of credit associations is from 25% to 30% experience the strongest pressure.
|Item Type:||MPRA Paper|
|Original Title:||Do Credit Associations Put Competitive Pressure on Regional Banks in Japanese Regional Lending Markets?|
|Keywords:||regional lending markets, regional banks, credit associations, lending interest rates, competitive pressure|
|Subjects:||G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks; Depository Institutions; Micro Finance Institutions; Mortgages|
|Depositing User:||Kazumine Kondo|
|Date Deposited:||14. May 2012 01:54|
|Last Modified:||19. Feb 2013 19:44|
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