金融の視点から見た地域マネージメント (特集:地域マネジメント)

概要

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When financial institutions decide a real estate investment, they allow for its nonmaterial factors such as beauty, history, culture and festivity of the area as well as the material value of the real estate. For example, Kanazawa city-Ishikawa prefectural capital-is very attractive from this point of view. I call it “Area Value.” Thus it is smart and desirable way for local residents to keep and control their own Area Value. 1) Legal restriction, 2) private contract, 3) social and economic relationships between local people are the three ways for that purpose. “Privatepia” (the U. S. common interest developments) is a good example in the second category. Italian mutual guarantee systems (CONFIDI) is helpful in the third category. We can get two suggestions from the above consideration. The first one is “Area Rating.” This means the neutral estimation of the steadfastness of the structural control in the area. Non-profit organizations are reasonable bodies for the purpose. The second one is establishing “Area Management SPC (AM-SPC).” Land owners, tenants and other concerned parties unify their own rights into AM-SPC. Financial institutions just have to negotiate only with the SPC. These ways will reduce investment risk and will promote urban renaissance investments.
社団法人日本不動産学会の論文