Problems Of Postal Banking In Japan

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Japan Post Bank

Author : Akira Uno
Publisher : Springer Nature
ISBN 13 : 9811514089
Total Pages : 328 pages
Book Rating : 4.8/5 (115 download)

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Book Synopsis Japan Post Bank by : Akira Uno

Download or read book Japan Post Bank written by Akira Uno and published by Springer Nature. This book was released on 2020-07-09 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a comprehensive view on how regional financial institutions should be operated in order to restore Japan’s fiscal health. It points out that, even though the Japan Post Bank has been partially privatized, the old mandatory deposit system still virtually exists between the bank and the government. This makes the bank’s asset portfolio heavily weighted toward Japanese government bonds and creates a bottleneck to restoring fiscal health. The book also demonstrates how this system and the low interest rate policy keep the bank’s return on assets (ROA) low and expose the bank to an interest rate risk and credit risk. While shedding light on the true nature of these problems, this work looks into the best ways regional financial institutions can be operated for the sake of regional economic revitalization. The process would involve integrating the three privatized public financial institutions (i.e., the Japan Post Bank, the Shoko Chukin Bank, and the Development Bank of Japan) and splitting their operations into different businesses and regional companies as well as reorganizing more than 100 regional banks. The author analyzes total assets and ROA of different types of financial institutions (public and private financial services) in Japan to obtain an overall view. Then, using ROA as an assessment indicator, he looks into ways to optimize their portfolios to make the most of individual financial assets, especially deposits, from a welfare economics point of view and formulates a theory for optimization. Financial institutions can optimize their ROA by using individual deposits and savings for total optimization to maximize their return on investment. If the share of total assets by type of financial institution is optimized through mergers or vertical integration between different types of financial institutions, and if ROA is optimized overall as a result, the structure of financial institutions by type in Japan can be optimized.

Postal Banking in Japan

Author :
Publisher :
ISBN 13 :
Total Pages : 56 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Postal Banking in Japan by :

Download or read book Postal Banking in Japan written by and published by . This book was released on 1994 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Banking in Japan: Japanese banking in the high-growth era, 1952-1973

Author : William M. Tsutsui
Publisher : Taylor & Francis
ISBN 13 : 9780415170130
Total Pages : 644 pages
Book Rating : 4.1/5 (71 download)

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Book Synopsis Banking in Japan: Japanese banking in the high-growth era, 1952-1973 by : William M. Tsutsui

Download or read book Banking in Japan: Japanese banking in the high-growth era, 1952-1973 written by William M. Tsutsui and published by Taylor & Francis. This book was released on 1999 with total page 644 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Postal Savings and Fiscal Investment in Japan

Author : Thomas F. Cargill
Publisher : Oxford University Press, USA
ISBN 13 : 9780199257348
Total Pages : 202 pages
Book Rating : 4.2/5 (573 download)

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Book Synopsis Postal Savings and Fiscal Investment in Japan by : Thomas F. Cargill

Download or read book Postal Savings and Fiscal Investment in Japan written by Thomas F. Cargill and published by Oxford University Press, USA. This book was released on 2003 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: Together the institutions mentioned in the title represent a wide-ranging system of government financial intermediation that is increasingly incompatible with Japan's drive to create a modern financial system.

Crisis and Change in the Japanese Financial System

Author : Takeo Hoshi
Publisher : Springer Science & Business Media
ISBN 13 : 1461543959
Total Pages : 326 pages
Book Rating : 4.4/5 (615 download)

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Book Synopsis Crisis and Change in the Japanese Financial System by : Takeo Hoshi

Download or read book Crisis and Change in the Japanese Financial System written by Takeo Hoshi and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt: At the start of the twenty-first century, the Japanese financial system is undergoing a major transformation. This process is spurred by a sense of crisis. Dominated by large institutions, the Japanese banking system has suffered from serious problems with non-performing loans since the early 1990s, when the Japanese stock market and urban real estate market both crashed. Delays in responding to these twin asset bubbles, by both regulatory authorities and the banks themselves, made matters worse and led to a banking crisis in late 1997 and early 1998. Not anticipating this setback, in late 1996 the Japanese government inaugurated its Big Bang of comprehensive financial deregulation designed to complete the process of creating `free, fair, and open financial markets'. Beginning in late 1998 and early 1999 the government finally embarked on a major rehabilitation of the Japanese banking system, including making available some Yen 60 trillion (approximately USD 500 billion) of government funds to recapitalize fifteen major banks, adequately fund the deposit insurance program, and write off the bad loans of nationalized or bankrupted banks. One result of this reform process is that the Ministry of Finance (MOF), which dominated Japanese financial system policy for most of the post-war period, has been stripped of most of its former regulatory powers. The purpose of this book is to describe, analyze, and evaluate the process that is transforming the Japanese financial system. The chapters address various issues relating to the transition of the Japanese financial system from a bank-centered and relationship-based system to a competitive market-based system. Questions taken up include: Why did Japanese banks get into such serious trouble? Why has the MOF lost its immense power? How will the Big Bang's financial deregulation further change the Japanese financial system, including the huge government financial institutions and postal savings system? What are some of the broader implications of this transition? The book is divided into three parts: Part I considers the origins of Japan's banking crisis; Part II focuses on five particularly important areas of major actual and potential changes; Part III addresses the effects of the Big Bang, including its potential systemic externalities. Taken together, this book offers an unusually up-to-date, comprehensive and thorough appraisal and evaluation of the profound changes occurring in Japan's financial system.

Policy Challenges and the Reform of Postal Savings in Japan

Author : Mark J. Scher
Publisher :
ISBN 13 :
Total Pages : 88 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Policy Challenges and the Reform of Postal Savings in Japan by : Mark J. Scher

Download or read book Policy Challenges and the Reform of Postal Savings in Japan written by Mark J. Scher and published by . This book was released on 2003 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Princes of the Yen

Author : Richard Werner
Publisher : Routledge
ISBN 13 : 131746219X
Total Pages : 384 pages
Book Rating : 4.3/5 (174 download)

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Book Synopsis Princes of the Yen by : Richard Werner

Download or read book Princes of the Yen written by Richard Werner and published by Routledge. This book was released on 2015-03-04 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: This eye-opening book offers a disturbing new look at Japan's post-war economy and the key factors that shaped it. It gives special emphasis to the 1980s and 1990s when Japan's economy experienced vast swings in activity. According to the author, the most recent upheaval in the Japanese economy is the result of the policies of a central bank less concerned with stimulating the economy than with its own turf battles and its ideological agenda to change Japan's economic structure. The book combines new historical research with an in-depth behind-the-scenes account of the bureaucratic competition between Japan's most important institutions: the Ministry of Finance and the Bank of Japan. Drawing on new economic data and first-hand eyewitness accounts, it reveals little known monetary policy tools at the core of Japan's business cycle, identifies the key figures behind Japan's economy, and discusses their agenda. The book also highlights the implications for the rest of the world, and raises important questions about the concentration of power within central banks.

Financial Policy and Central Banking in Japan

Author : Thomas F. Cargill
Publisher : MIT Press
ISBN 13 : 026226210X
Total Pages : 205 pages
Book Rating : 4.2/5 (622 download)

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Book Synopsis Financial Policy and Central Banking in Japan by : Thomas F. Cargill

Download or read book Financial Policy and Central Banking in Japan written by Thomas F. Cargill and published by MIT Press. This book was released on 2001-01-03 with total page 205 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyzes how the bank-dominated financial system—a key element of the oft-heralded "Japanese economic model"—broke down in the 1990s and spawned sweeping reforms. Japan's financial institutions and policy underwent remarkable change in the past decade. The country began the 1990s with a heavily regulated financial system managed by an unchallenged Ministry of Finance and ended the decade with a Big Bang financial market reform, a complete restructuring of its regulatory financial institutions, and an independent central bank. These reforms have taken place amid recession and rising unemployment, collapsing asset prices, a looming banking crisis, and the lowest interest rates in the industrial world. This book analyzes how the bank-dominated financial system—a key element of the oft-heralded "Japanese economic model"—broke down in the 1990s and spawned sweeping reforms. It documents the sources of the Japanese economic stagnation of the 1990s, the causes of the financial crisis, the slow and initially limited policy response to banking problems, and the reform program that followed. It also evaluates the new financial structure and reforms at the Bank of Japan in light of the challenges facing the Japanese economy. These challenges range from conducting monetary policy in a zero-interest rate environment characterized by a "liquidity trap" to managing consolidation in the Japanese banking sector against the backdrop of increasing international competition.

Miraculous Growth and Stagnation in Post-War Japan

Author : Koichi Hamada
Publisher : Taylor & Francis
ISBN 13 : 1136738657
Total Pages : 241 pages
Book Rating : 4.1/5 (367 download)

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Book Synopsis Miraculous Growth and Stagnation in Post-War Japan by : Koichi Hamada

Download or read book Miraculous Growth and Stagnation in Post-War Japan written by Koichi Hamada and published by Taylor & Francis. This book was released on 2011-04-21 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume examines different aspects of the Japanese experience in a comparative context. There is much here of relevance to contemporary developing countries anxious to initiate the experience of miraculous growth and anxious to avoid the subsequent stagnation. Such issues of the role of government in providing the right amount of infant industry protection, the relevance of the financial system, the country’s peculiar corporate structure and the role of education in a comparative context serve to illuminate the lessons and legacies of this unique experience in development. The relationship between various dimensions of its domestic policy experience and Japan’s international experience in trade promotion and foreign aid is explored and is of special interest to an international audience of academics and policymakers.

Postal Savings

Author : Naoyuki Yoshino
Publisher :
ISBN 13 : 9784899740834
Total Pages : 260 pages
Book Rating : 4.7/5 (48 download)

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Book Synopsis Postal Savings by : Naoyuki Yoshino

Download or read book Postal Savings written by Naoyuki Yoshino and published by . This book was released on 2018-03-27 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rapid economic growth in Asia has gone hand in hand with increased savings. Yet, many people remain unbanked and savings are often invested abroad. If Asia is to continue to grow, governments must explore ways to better mobilize domestic finance and increase financial access. One way is through postal savings. This book (i) explains the benefits of postal savings, (ii) presents strategies ranging from a simple model of postal savings to full-fledged banking services, (iii) assesses national regulations, (iv) studies the challenges and opportunities arising from new technologies such as fintech, and (v) recommends ways to promote postal savings in developing Asia. technologies such as fintech, and (v) recommends ways to promote postal savings in developing Asia.

The Japanese Main Bank System

Author : Masahiko Aoki
Publisher : Clarendon Press
ISBN 13 : 0191521744
Total Pages : 684 pages
Book Rating : 4.1/5 (915 download)

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Book Synopsis The Japanese Main Bank System by : Masahiko Aoki

Download or read book The Japanese Main Bank System written by Masahiko Aoki and published by Clarendon Press. This book was released on 1995-02-16 with total page 684 pages. Available in PDF, EPUB and Kindle. Book excerpt: BL Gives a definitive description and analysis of the main bank system BL Strong contributors BL Understudied subject BL Incorporates results of a major World Bank research programme BL Balances institutional description with financial theory and empirical analysis This volume looks at systems of corporate finance, concentrating on the Japanese main bank system. The remaining chapters describe different systems, assessing to what extent the Japanese system can serve as a model for developing market economies and transforming socialist economies. The basic characteristics of the main bank system are examined here, its roots, development, and its role in the heyday of its rapid growth. The volume looks at how the system has performed and at its strengths and weaknesses. It goes on to look at how the system has changed and what its approprate role is as deregulation, liberalization, and internationalization of Japan's financial markets have proceeded over the past two decades and a new issue securities market has emerged. A basic conclusion of the book is that banking-based systems are in most cases the most appropriate for industrial financing until a rather late stage of a country's economic and financial development. It aims to identify the conditions under which banks are better able that securites market institutions to evaluate the credit worthiness of borrowers and the viability of new projects, to monitor the ongoing performance of firms, and to rescue or liquidate firms in distress. Contributors: Masahiko Aoki, Theodor Baums, V.V.Bhatt, John Campbell, Yasushi Hamao, Toshihiro Horiuchi, Takeo Hoshi, Anil Kashyap, Dong-Wong Kim, Gary Loveman, Sang-Woo Nam, Frank Packer, Hugh Patrick, Yingyi Qian, Mark Ramseyer, Clark Reynolds, Satoshi Sunamura, Paul Sheard, Juro Teranishi, Kazuo Ueda,

Commerce Reports Nos. 1-13 Volume 1 Twenty-Sixth Year

Author :
Publisher :
ISBN 13 :
Total Pages : 880 pages
Book Rating : 4./5 ( download)

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Book Synopsis Commerce Reports Nos. 1-13 Volume 1 Twenty-Sixth Year by :

Download or read book Commerce Reports Nos. 1-13 Volume 1 Twenty-Sixth Year written by and published by . This book was released on 1923 with total page 880 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Priority Rule Violations and Perverse Banking Behaviors

Author : Hiroyuki Seshimo
Publisher : Springer
ISBN 13 : 9811058520
Total Pages : 90 pages
Book Rating : 4.8/5 (11 download)

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Book Synopsis Priority Rule Violations and Perverse Banking Behaviors by : Hiroyuki Seshimo

Download or read book Priority Rule Violations and Perverse Banking Behaviors written by Hiroyuki Seshimo and published by Springer. This book was released on 2017-09-06 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book theoretically and empirically explores why Japanese banks engaged in seemingly contradictory behaviors in the 1990s, namely, the credit crunch and evergreening, i.e., inefficient additional lending. A credit crunch occurs when banks are unwilling to finance good and efficient projects. Evergreening implies that banks reluctantly lend additional money to poorly performing and financially vulnerable firms. The authors hypothesize that these practices stemmed from violation of the absolute priority rule (APR) by creditors, thus making it possible to explain this seemingly contradictory banking behavior in a consistent way. In Japan, the APR has often been violated legally by courts and some governmental acts. Examples from the 1990s involve legal abuse in the form of short-term tenancy protection (tanki chinshaku ken) and political intervention in the liquidation of Housing Loan Companies, or Ju-sen. The Supreme Court of Japan has issued critical decisions leading to serious violations of APR in the early 1990s. Evidence provided here supports theoretical results. Empirical testing for a significant difference in banking behavior before and after the Court decision using data from Japanese firms in the 1980s and 1990s found that theoretical arguments were empirically supportable in the last half of the 1980s and through the 1990s. Finally, based on their analysis, from the theoretical point of view the authors consider the optimal legal scheme to achieve the best assessment of initial and additional lending in light of the legal reform of the 2000s.

International Business Strategy

Author : Alain Verbeke
Publisher : Cambridge University Press
ISBN 13 : 0521862582
Total Pages : 507 pages
Book Rating : 4.5/5 (218 download)

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Book Synopsis International Business Strategy by : Alain Verbeke

Download or read book International Business Strategy written by Alain Verbeke and published by Cambridge University Press. This book was released on 2009-01-12 with total page 507 pages. Available in PDF, EPUB and Kindle. Book excerpt: This textbook shows how the key concepts from business strategy literature can be applied to create successful global business.

The People’s Post Office

Author : Patricia L. Maclachlan
Publisher : BRILL
ISBN 13 : 1684175127
Total Pages : 393 pages
Book Rating : 4.6/5 (841 download)

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Book Synopsis The People’s Post Office by : Patricia L. Maclachlan

Download or read book The People’s Post Office written by Patricia L. Maclachlan and published by BRILL. This book was released on 2020-03-17 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In 2001, Prime Minister Koizumi Jun’ichirō launched a crusade to privatize Japan’s postal services. The plan was hailed as a necessary structural reform, but many bemoaned the loss of traditional institutions and the conservative values they represented. Few expected the plan to succeed, given the staunch opposition of diverse parties, but four years later it appeared that Koizumi had transformed not only the post office but also the very institutional and ideological foundations of Japanese finance and politics. By all accounts, it was one of the most astonishing political achievements in postwar Japanese history. Patricia L. Maclachlan analyzes the interplay among the institutions, interest groups, and leaders involved in the system’s evolution from the early Meiji period until 2010. Exploring the postal system’s remarkable range of economic, social, and cultural functions and its institutional relationship to the Japanese state, this study shows how the post office came to play a leading role in the country’s political development. It also looks into the future to assess the resilience of Koizumi’s reforms and consider the significance of lingering opposition to the privatization of one of Japan’s most enduring social and political sanctuaries."

Critical Issues in Contemporary Japan

Author : Jeff Kingston
Publisher : Routledge
ISBN 13 : 1351139622
Total Pages : 401 pages
Book Rating : 4.3/5 (511 download)

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Book Synopsis Critical Issues in Contemporary Japan by : Jeff Kingston

Download or read book Critical Issues in Contemporary Japan written by Jeff Kingston and published by Routledge. This book was released on 2019-02-18 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new and fully updated second edition of Critical Issues in Contemporary Japan provides undergraduate and graduate students with an interdisciplinary textbook written by leading specialists on contemporary Japan. Students will gain the analytical insights and information necessary to assess the challenges that confront the Japanese people, policymakers and private and public-sector institutions in Japan today. Featuring a comprehensive analysis of key debates and issues confronting Japan, issues covered include: A rapidly aging society and changing employment system Nuclear and renewable energy policy Gender discrimination Immigration and ethnic minorities Post-3/11 tsunami, earthquake and nuclear meltdown developments Sino-Japanese relations An essential reference work for students of contemporary Japan, it is also an invaluable source for a variety of courses, including comparative politics, anthropology, public policy and international relations.

Financial Stability Issues:The Case of East Asia

Author : Mamiko Yokoi-Arai
Publisher : Kluwer Law International B.V.
ISBN 13 : 9041198784
Total Pages : 396 pages
Book Rating : 4.0/5 (411 download)

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Book Synopsis Financial Stability Issues:The Case of East Asia by : Mamiko Yokoi-Arai

Download or read book Financial Stability Issues:The Case of East Asia written by Mamiko Yokoi-Arai and published by Kluwer Law International B.V.. This book was released on 2002-07-08 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whatever can be said about the financial crises that have plagued East Asian countries since the early 1990s, it must be averred that they teach us a great deal. Many earlier assumptions about finance and investment have been called into question, and the field is more open than it has been in many decades to legal and economic analysis and theory. In particular, issues of financial sector reform have come into sharp focus. Here is a new proposal, solidly grounded in current reality, for a regional "zone of law" designed to supplement and benefit domestic reforms under way in Japan and the three emerging economies of Indonesia, South Korea, and Thailand. The author draws on a wide range of relevant material, including exploration of international standards and "best practices" in banking and finance, the experience of the U.S. and the U.K. in planning and implementing reform measures, and the theoretical literature respecting financial crises and what causes them. In this context, the specific reforms applied in the four Asian countries under consideration are discussed in detail, with "lessons to be learned" about crisis detection, containment, and prevention. During the course of the analysis, the author reveals fundamental policy areas where meaningful and effective reform can take place. Financial Stability Issues: The Case of East Asia offers numerous practical applications at the same time as it strikes a rich vein of theory in the field. Its fresh, sensible approach will be greatly appreciated, not only by academic theorists, but by hardheaded business people, policymakers, and regulators as well.