信越地域における預金金融機関の店舗配置 : 新潟県と長野県を比較分析して [in Japanese] The Branching Patterns of Deposit Financial Institutions in Shinetsu Region : Comparative Analysis of Niigata and Nagano Prefectures [in Japanese]
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The purpose of this paper is to analyze the branching patterns of deposit financial institutions in the Shinetsu region (Niigata and Nagano Prefectures) for comparison. Financial industries are divided into four groups: post office, private A (city bank, regional bank, trust bank and etc), private B (credit bank, credit union, labor bank), private C (Japan Agricultural and Fisheries Cooperatives). I find that post office takes into consideration the principle of 'providing their service widely and equally'. Japan Agricultural and Fisheries Cooperatives are taking the similar branching patterns to post office. On the other hand, generally speaking, the branching patterns of private financial institutions excluding Japan Agricultural and Fisheries Cooperatives are based upon the profit principle. As for the competitions of branches, no competition is found between post office and private sector in Nagano Prefecture. Post office is analyzed to compete with private A in terms of branching patterns in Niigata Prefecture. This competition is considered to be observed not because of financial service but because of postal service provided by post office. These results show that post office is not an obstacle to private financial institutions in terms of branching patterns.
- Journal of Household Economics
Journal of Household Economics 27(0), 1-15, 2008
The Japan Society of Household Economics