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Are Credit Associations a Source of Competitive Pressure on Regional Banks in Japanese Regional Lending Markets?

Kondo, Kazumine (2012): Are Credit Associations a Source of Competitive Pressure on Regional Banks in Japanese Regional Lending Markets?

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Abstract

This study investigated whether credit associations are a source of competitive pressure on regional banks in Japanese regional lending markets. We found that credit associations pressurized regional banks to set lower lending interest rates in regional markets when the total deposits held by credit associations in a prefecture were used as a proxy for the presence of credit associations. Furthermore, regional banks in a prefecture where the ratio of deposits held by credit associations was more than 20%, which is larger than the average level, were forced to set lower lending interest rates.

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