わが国の協同組織金融機関の存在意義 : 法と経済学の視点から

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タイトル別名
  • The Raison Dʼêtre of Cooperative Financial Institutions in Japan : From the Perspective of Law and Economics
  • ワガクニ ノ キョウドウ ソシキ キンユウ キカン ノ ソンザイ イギ : ホウ ト ケイザイガク ノ シテン カラ

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抄録

This paper examines the organizational characteristics of Japan’s cooperative financial institutions（Shinkin Banks and Shinkumi Banks）as they expand in size and become more homogeneous in their operations with banks, while also comparing them with banking organizations. In order to conduct this study, I decided to use the framework of law and economics, specifically, Henry Hansmann’s “The Ownership of Enterprise.” In addition, I developed a hypothesis based on legal and economic theory regarding the organizational characteristics of cooperative financial institutions, particularly with regard to their advantages, and then tested the hypothesis through empirical analysis. The results of the analysis show that although cooperative financial institutions have some disadvantages compared to banks, they have advantages due to the fact that the borrowers are owners. Specifically, owners are able to request favorable low-interest loan terms in the course of their own transactions with financial institutions. Thus, cooperative financial institutions are able to compete with banks precisely because the borrowers are owners and are able to request relaxed loan terms and conditions.

収録刊行物

  • 一橋法学

    一橋法学 22 (2), 471-525, 2023-07

    一橋大学大学院法学研究科

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