The Resource Utilization of Soft Information on Bank Performance : The Roles of Relationship Lending in Competitive Local Markets, by Tadanori Yosano, Takayoshi Nakaoka, (electronic resource)

Utilization of Soft Information on Bank Performance : The Roles of Relationship Lending in Competitive Local Markets, by Tadanori Yosano, Takayoshi Nakaoka, (electronic resource)

Label
Utilization of Soft Information on Bank Performance : The Roles of Relationship Lending in Competitive Local Markets
Title
Utilization of Soft Information on Bank Performance
Title remainder
The Roles of Relationship Lending in Competitive Local Markets
Statement of responsibility
by Tadanori Yosano, Takayoshi Nakaoka
Creator
Contributor
Author
Author
Provider
Subject
Language
eng
Summary
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 informational advantage to limit its own loss. This book categorizes three soft information factors: organizational systems, networks or alliances/partnerships, and business/management leadership based on survey data. The authors' findings suggest that information production, especially network and business/leadership information, plays an essential role in promoting a bank's profitability. These effects are strong even when banks face high inter-bank competition. Relationship lending not only improves bankers' lending techniques, but also fosters and enhances their community knowledge and enables them to survive in a highly competitive market
Member of
http://library.link/vocab/creatorName
Yosano, Tadanori
http://bibfra.me/vocab/relation/httpidlocgovvocabularyrelatorsaut
  • mKiisjvgwO8
  • gsjngdZCc0c
Image bit depth
0
LC call number
HG1501-HG3550
Literary form
non fiction
http://library.link/vocab/relatedWorkOrContributorName
  • Nakaoka, Takayoshi.
  • SpringerLink
Series statement
Development Bank of Japan Research Series,
http://library.link/vocab/subjectName
  • Banks and banking
  • Small business
  • Asia-Economic conditions
  • Banking
  • Small Business
  • Asian Economics
Label
Utilization of Soft Information on Bank Performance : The Roles of Relationship Lending in Competitive Local Markets, by Tadanori Yosano, Takayoshi Nakaoka, (electronic resource)
Instantiates
Publication
Antecedent source
mixed
Carrier category
online resource
Carrier category code
cr
Carrier MARC source
rdacarrier
Color
not applicable
Content category
text
Content type code
txt
Content type MARC source
rdacontent
Contents
1 Introduction -- 2 Theory and Hypotheses: The Effects of Using Soft Information on a Lender's Performance, Specifically in Interbank Competition -- 3 Survey Data from Japanese Regional Banks and Using Soft Information in Lending Decisions -- 4 The Influence of Using Soft Information on Lender Performance in Competitive Local Markets: An Empirical Analysis -- 5 Soft Information's Role in Lending Decisions -- Index
Dimensions
unknown
Edition
1st ed. 2019.
Extent
XI, 110 p. 9 illus., 7 illus. in color.
File format
multiple file formats
Form of item
electronic
Isbn
9789811384721
Level of compression
uncompressed
Media category
computer
Media MARC source
rdamedia
Media type code
c
Other control number
10.1007/978-981-13-8472-1
Other physical details
online resource.
Quality assurance targets
absent
Reformatting quality
access
Specific material designation
remote
System control number
(DE-He213)978-981-13-8472-1
Label
Utilization of Soft Information on Bank Performance : The Roles of Relationship Lending in Competitive Local Markets, by Tadanori Yosano, Takayoshi Nakaoka, (electronic resource)
Publication
Antecedent source
mixed
Carrier category
online resource
Carrier category code
cr
Carrier MARC source
rdacarrier
Color
not applicable
Content category
text
Content type code
txt
Content type MARC source
rdacontent
Contents
1 Introduction -- 2 Theory and Hypotheses: The Effects of Using Soft Information on a Lender's Performance, Specifically in Interbank Competition -- 3 Survey Data from Japanese Regional Banks and Using Soft Information in Lending Decisions -- 4 The Influence of Using Soft Information on Lender Performance in Competitive Local Markets: An Empirical Analysis -- 5 Soft Information's Role in Lending Decisions -- Index
Dimensions
unknown
Edition
1st ed. 2019.
Extent
XI, 110 p. 9 illus., 7 illus. in color.
File format
multiple file formats
Form of item
electronic
Isbn
9789811384721
Level of compression
uncompressed
Media category
computer
Media MARC source
rdamedia
Media type code
c
Other control number
10.1007/978-981-13-8472-1
Other physical details
online resource.
Quality assurance targets
absent
Reformatting quality
access
Specific material designation
remote
System control number
(DE-He213)978-981-13-8472-1

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