A Current Account Deficit In Japan Could Push Interest Rates Higher And Hurt Banks With Large Holdings Of Government Bonds Apr 12
- Language: English
- Published: April 2012
- Region: Japan
Lending to small and midsize enterprises (SMEs) is the primary measure of competitiveness among Japanese regional banks. Major banks are superior in lending to large corporations and unsecured lending to SMEs and individuals due to their economies of scale and accurate scoring systems. However, Japanese regional banks are comparatively stronger in secured lending to SMEs, attributable to their area-specific focus and on-going businesses relationships with customers (Chart 1). However, as the total amount of outstanding loans to SMEs is declining in Japan, regional banks need to raise their competitiveness to create and profit from new markets. When providing secured loans to SMEs, a bank's ability to evaluate collateral, in terms of coverage, speed, accuracy, and cost, is a key component...
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