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


  • Kondo, Kazumine


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.

Suggested Citation

  • Kondo, Kazumine, 2012. "Do Credit Associations Put Competitive Pressure on Regional Banks in Japanese Regional Lending Markets?," MPRA Paper 38769, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:38769

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    References listed on IDEAS

    1. 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.
    2. William R. Emmons & Frank A. Schmid, 2000. "Banks vs. credit unions; dynamic competition in local markets," Working Papers 2000-006, Federal Reserve Bank of St. Louis.
    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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    More about this item


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

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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