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

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  • Kondo, Kazumine
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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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    File URL: http://mpra.ub.uni-muenchen.de/38769/
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    File URL: http://mpra.ub.uni-muenchen.de/45319/
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    Bibliographic Info

    Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 38769.

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    Date of creation: 13 May 2012
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    Handle: RePEc:pra:mprapa:38769

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    Related research

    Keywords: regional lending markets; regional banks; credit associations; lending interest rates; competitive pressure;

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    1. William R. Emmons & Frank A. Schmid, 2002. "Banks vs. credit unions: dynamic competition in local markets," Supervisory Policy Analysis Working Papers 2002-10, Federal Reserve Bank of St. Louis.
    2. Robert M. Feinberg, 2003. "The Determinants of Bank Rates in Local Consumer Lending Markets: Comparing Market and Institution-Level Results," Southern Economic Journal, Southern Economic Association, vol. 70(1), pages 144-156, July.
    3. Feinberg, Robert M. & Rahman, A. F. M. Ataur, 2001. "A causality test of the relationship between bank and credit union lending rates in local markets," Economics Letters, Elsevier, vol. 71(2), pages 271-275, May.
    4. Robert M. Feinberg, 2001. "The Competitive Role Of Credit Unions In Small Local Financial Services Markets," The Review of Economics and Statistics, MIT Press, vol. 83(3), pages 560-563, August.
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