日本相銀の「中堅企業」指向と「選択的拡大論」(後編) : 相銀業態の中小企業融資先数の減少をもたらした一因

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  • ニホン ソウギン ノ チュウケン キギョウ シコウ ト センタクテキ カクダイロン コウヘン ソウギン ギョウタイ ノ チュウショウ キギョウ ユウシサキスウ ノ ゲンショウ オ モタラシタ イチイン

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3 融資基盤模索の「時代の証言」としての「選択的拡大論」 : 3.1「中堅企業」指向の実践的指針としての「選択的拡大論」 : 本論前編(以下単に「前編」)の末尾の段2.4では、日本相銀の「選択的拡大論」の概要を紹介した。……

In post-WWII Japan, the "sogo-bank" category of banks were one of the major lenders to small and medium-sized enterprises (SMEs). The Nihon Sogo-Bank, the single far-largest among them, chose not to specialize in SME lending at large but rather to specialize in middle-standing enterprises (MSEs) bigger than SMEs. In this second part, the author investigates into the "selective-expansion theory" thought out by the best-and-brightest young staff of the bank near the middle of 1960's. The theory was in line with the above-mentioned strategy specializing in MSEs. Looking into the various reports of Japanese governments and academic writings which the bank staff referred to in order to "polish" the "selective-expansion theory," the author finds that the process of thinking out the theory by referring to the reports and writings was never "bias-free." The author then considers the reason of the biases, and puts forward one probable explanation that the bank staff might often had been affected by the status quo of the bank, that is, the "sunk cost" due to its half-completed specialization in MSE lending.

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  • 経営研究

    経営研究 71 (2), 27-48, 2020-08-31

    大阪市立大学経営学会

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