| 书目名称 | Utilization of Soft Information on Bank Performance |
| 副标题 | The Roles of Relatio |
| 编辑 | Tadanori Yosano,Takayoshi Nakaoka |
| 视频video | |
| 概述 | Measures soft information directly by using questionnaire survey data from lender representatives who are in charge of screening and judging lending decisions.Finds a latent element of soft informatio |
| 丛书名称 | SpringerBriefs in Economics |
| 图书封面 |  |
| 描述 | .This book explores the effects of soft information utilization in the decision process for lenders, especially concerning small and medium-sized enterprises (SMEs) in regional markets. This study is one of the first to use questionnaire survey data from lender representatives, and analyzes the relationship between the financial metrics of a lender’s performance and soft information factors in inter-bank competition. The authors’ empirical results suggest that utilizing soft information allows banks to attain a more precise lending decision...The Financial Services Agency in Japan introduced an action program in 2003 that requires regional banks to shift from transaction banking to relationship lending. Against that background, this book examines the influence of relationship lending on a lender’s performance. This study found that relationship lending allows lenders to charge a higher premium to counteract the high risk involved with SMEs. The book also examines how relationship lending affects lending performance in inter-bank competition. The conclusion is that, even though inter-bank competition has negative effects, a bank in a competitive local market can acquire an informati |
| 出版日期 | Book 2019 |
| 关键词 | Relationship lending; Regional banks; Relationship banking; Soft information; Inter-bank competition; Len |
| 版次 | 1 |
| doi | https://doi.org/10.1007/978-981-13-8472-1 |
| isbn_softcover | 978-981-13-8471-4 |
| isbn_ebook | 978-981-13-8472-1Series ISSN 2191-5504 Series E-ISSN 2191-5512 |
| issn_series | 2191-5504 |
| copyright | Development Bank of Japan 2019 |
发表于 2025-3-21 16:08:56
