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

Kazumine Kondo

MPRA Paper from University Library of Munich, Germany

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.

Keywords: regional lending markets; regional banks; credit associations; lending interest rates; competitive pressure (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2012-05-13
New Economics Papers: this item is included in nep-ban, nep-geo and nep-ure
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https://mpra.ub.uni-muenchen.de/45319/1/MPRA_paper_45319.pdf revised version (application/pdf)

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