@article{oai:sucra.repo.nii.ac.jp:00016968,
 author = {寺崎, 友芳},
 journal = {社会科学論集, SHAKAIKAGAKU－RONSHU (The Social Science Review)},
 month = {},
 note = {A panel estimation of parameters on the outstanding loan balances and the loan profit margins of Japanese regional bank loans is conducted using micro-level data.
In the model that uses outstanding loan balance as a dependent variable, the model under normal market equilibrium is developed. A Chow test is then performed on the developed model using estimates for banks with high capital ratios and those with low capital ratios. The parameters on capital ratios of banks with low capital ratios are positive with statistical significance, indicating that capital damage may result in a credit crunch.
In the model that uses loan profit margins as a dependent variable, competition in the regional economy, economic climate and loan structure are included as explanatory variables. Results indicate that intra-prefecture share, personal loan ratio and small and medium sized business loan ratio are significantly positive toward the profit margins, even after the credit cost rate is deducted., text, application/pdf},
 pages = {1--13},
 title = {地域銀行の貸出金残高と貸出金利鞘の決定要因《論文》},
 volume = {137},
 year = {2012},
 yomi = {テラサキ, トモヨシ}
}