金融危機後の中小企業金融の課題

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概要

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• In Japan, bank loans to small and medium-sized companies (SMCs) decreased remarkably in the second half of the 1990s. The reduction occurred because Japanese banks limited the amount of loans to SMCs. This refusal to make loans to SMCs was criticized by the public. The financial crises from 1997 to 2003 disclosed the criticalissues that SMCs had been facing. The business performance of SMCs haddeteriorated significantly since 1995. It is assumed that the interest in SMCs as bank customers haddeclined as their business situations had worsened. Innovative financing schemes have been in a period of experimentation in order to improve SMC's financingdifficulties. However, no single innovationhas been found to be superior. When SMCs become more successful and stable, the banks will most likely renew their interest in making loans to them. The much more importantthing is to recover business conditions of SMCs where they secure their profits rather than to develop innovative schemes.

• 2006-07-10

著者

• 中野 瑞彦

  桃山学院大学経済学部

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