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Do Credit Associations Put Competitive Pressure on Regional Banks in Japanese Regional Lending Markets?

Kondo, Kazumine (2012): Do Credit Associations Put Competitive Pressure on Regional Banks in Japanese Regional Lending Markets?

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Abstract

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.

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