{"created":"2023-06-20T14:46:24.422918+00:00","id":622,"links":{},"metadata":{"_buckets":{"deposit":"9bf6fbe1-ad99-4271-8b06-4822911cbb1b"},"_deposit":{"created_by":10,"id":"622","owners":[10],"pid":{"revision_id":0,"type":"depid","value":"622"},"status":"published"},"_oai":{"id":"oai:takushoku-u.repo.nii.ac.jp:00000622","sets":["2:31:21:115"]},"author_link":["423","424"],"item_10002_biblio_info_7":{"attribute_name":"書誌情報","attribute_value_mlt":[{"bibliographicIssueDates":{"bibliographicIssueDate":"2023-03-10","bibliographicIssueDateType":"Issued"},"bibliographicPageEnd":"18","bibliographicPageStart":"1","bibliographicVolumeNumber":"14","bibliographic_titles":[{"bibliographic_title":"拓殖大学政治行政研究"},{"bibliographic_title":"The journal of politics and administration","bibliographic_titleLang":"en"}]}]},"item_10002_description_5":{"attribute_name":"抄録","attribute_value_mlt":[{"subitem_description":"地方銀行は各地域で重要な存在であったが，少子高齢化の影響，第三者決済など銀行代替の動きに加え，コロナ禍で地方銀行の経営地盤も大きな影響を受けた。特にコロナ禍の際に無利子・無担保のゼロゼロ融資がなされたことにより，企業の外部資金調達額は大きく膨らんだ。この政策は様々な問題を先送りする時間分散の役割を果たしているものの，今後の不良債権化が懸念される。望まれない生産物に関しては近年は金融機関のCO2 排出にも厳しい目が向けられており，開示が進んでいるが，まだ十分ではない。本稿では先行研究でも負の生産物の代表である不良債権を加味して実証分析を行った。DEA（包絡分析法）を用いて，通常の分析と望まれない生産物を加味する分析で行った。分析にあたっては規模に関して収穫不変のモデルを用い，全国銀行協会のデータを用いた。分析の結果，不良債権の最盛期の2002年3月期には各地方銀行の相対的な技術的効率性に不良債権は大きな影響を与えた。同様にコロナ禍の影響が出た2021年3月期と2022年3月期のデータを用いて分析すると不良債権の影響はまだ出ていない。ゼロゼロ融資の肥大化は影響の顕在化の時間分散させたものであり，不良債権につながる可能性のあるものである。地方銀行と第二地銀の差は大きいが，第二地銀の再編などもあり，不良債権などの影響を加味すると差は縮小している。","subitem_description_type":"Abstract"}]},"item_10002_publisher_8":{"attribute_name":"出版者","attribute_value_mlt":[{"subitem_publisher":"拓殖大学地方政治行政研究所"}]},"item_10002_source_id_9":{"attribute_name":"ISSN","attribute_value_mlt":[{"subitem_source_identifier":"24239232","subitem_source_identifier_type":"ISSN"}]},"item_10002_subject_21":{"attribute_name":"日本十進分類法","attribute_value_mlt":[{"subitem_subject":"338.61","subitem_subject_scheme":"NDC"}]},"item_10002_text_24":{"attribute_name":"種別","attribute_value_mlt":[{"subitem_text_value":"論文 / Article"}]},"item_10002_version_type_20":{"attribute_name":"著者版フラグ","attribute_value_mlt":[{"subitem_version_resource":"http://purl.org/coar/version/c_970fb48d4fbd8a85","subitem_version_type":"VoR"}]},"item_creator":{"attribute_name":"著者","attribute_type":"creator","attribute_value_mlt":[{"creatorNames":[{"creatorName":"高橋, 智彦"},{"creatorName":"タカハシ, トモヒコ","creatorNameLang":"ja-Kana"}],"nameIdentifiers":[{}]},{"creatorNames":[{"creatorName":"Takahashi, Tomohiko","creatorNameLang":"en"}],"nameIdentifiers":[{}]}]},"item_files":{"attribute_name":"ファイル情報","attribute_type":"file","attribute_value_mlt":[{"accessrole":"open_date","date":[{"dateType":"Available","dateValue":"2023-02-22"}],"displaytype":"detail","filename":"cs0014_01.pdf","filesize":[{"value":"785.9 kB"}],"format":"application/pdf","licensetype":"license_note","mimetype":"application/pdf","url":{"label":"負の生産物を考慮した地方銀行の評価","url":"https://takushoku-u.repo.nii.ac.jp/record/622/files/cs0014_01.pdf"},"version_id":"6eaecbd9-34d0-4c2f-863a-426372afd023"}]},"item_keyword":{"attribute_name":"キーワード","attribute_value_mlt":[{"subitem_subject":"地方銀行","subitem_subject_scheme":"Other"},{"subitem_subject":"負の生産物","subitem_subject_scheme":"Other"},{"subitem_subject":"不良債権","subitem_subject_scheme":"Other"},{"subitem_subject":"DEA","subitem_subject_scheme":"Other"},{"subitem_subject":"技術的効率性","subitem_subject_scheme":"Other"}]},"item_language":{"attribute_name":"言語","attribute_value_mlt":[{"subitem_language":"jpn"}]},"item_resource_type":{"attribute_name":"資源タイプ","attribute_value_mlt":[{"resourcetype":"departmental bulletin paper","resourceuri":"http://purl.org/coar/resource_type/c_6501"}]},"item_title":"負の生産物を考慮した地方銀行の評価","item_titles":{"attribute_name":"タイトル","attribute_value_mlt":[{"subitem_title":"負の生産物を考慮した地方銀行の評価"},{"subitem_title":"The Operation of Regional Bank with Undesirable Outputs","subitem_title_language":"en"}]},"item_type_id":"10002","owner":"10","path":["115"],"pubdate":{"attribute_name":"公開日","attribute_value":"2023-02-22"},"publish_date":"2023-02-22","publish_status":"0","recid":"622","relation_version_is_last":true,"title":["負の生産物を考慮した地方銀行の評価"],"weko_creator_id":"10","weko_shared_id":-1},"updated":"2023-06-20T14:52:05.163302+00:00"}