The Financial Institutions for Common People and Socio-economic Development Policies : Lessons from Some Selected Case Studies
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概要
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In addition to the conventional banking financial institutions, various specialized type of financial institutions, commonly known as non-bank financial institutions are seen in the financial system of different countries, contributing significantly in channeling funds to the productive sectors. On this background, the objective of this study is to introduce some special cases and discuss the lessons learned from their experience. In doing so, we have discussed Postal Savings, Japan and Grameen Bank, Bangladesh. The results of the Grameen Bank case study indicated that, proper supervision and policy guidelines could lower bad loans even without having any collateral against loans. On the other hand, Postal Savings experience of Japan indicated that, wide network of post office might be used to mobilize small funds from rural areas. However, it is of great interest to see the impact of self-fund dependency of Grameen Bank and privatization of Postal Savings in future.
- 長崎大学の論文
- 2006-02-24
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