ロシアの未払問題と銀行システム:企業から銀行への期限超過信用を中心に The Problem of Non-payment and Banking Sector Development in Russia

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Abstract

市場経済への移行を図る1990年代のロシアでは深刻な未払問題に見舞われた。企業から銀行への未払は,緊縮政策,銀行監督強化,およびマクロ経済状況の悪化を背景に93年から98年にかけて増加した。ズベルバンクなど旧専門銀行系の銀行は「不良企業」への融資を継続したのに対して,新設民間銀行は企業向け融資を縮小して期限超過信用の発生を抑制した。この結果,銀行における未払は,一部に集中する結果をもたらした。

During its transition to a market-based economy, Russia has experienced a severe non-payment problem. We analyze the emergence and development of arrears problem in the banking sector, putting a special emphasis upon the interrelation between the ratio of the non-performing loan and the quantitative and qualitative characteristics of each bank. We find that the banks with the origin of the former specialized banks tend to have a higher ratio of the non-performing loan, while the newly established private banks have a lower one. This shows that the banking sector in Russia has been quite segmented.

Journal

  • Bulletin of the Japan Association for Comparative Economic Studies

    Bulletin of the Japan Association for Comparative Economic Studies 42(2), 27-41,77, 2005

    Japan Association for Comparative Economic Studies

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