金融スキームの類型化と金融リバンドリング(笠原俊彦教授定年退職記念号)

概要

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This study adds new consideration about the financial unbundling and rebundling, with taking into account the resent development in Japanese financial market. Especially, it focuses on the rebundling, because the opportunity where it is excessively discussed so far is not many. We try to construct several types of financial transactions by rebundling the various financial functions included in the standard scheme for the Whole Business Securitization. Concretely, usual deposits and loans business by the bank, property mortgage financing and the like of direct financing borrow claim are disucussed. It is general to start from the fact that indirect financial system (bank system) is disassembled in plural financial functions, but it is also logically possible to reproduce the indirect financial system by allotting the individual element to the economic agents (households and firms), other than the bank. Via these considerations, it makes clear what the concept and methodology of unbundling do means.