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Permalink : http://id.nii.ac.jp/1420/00009300/
経済危機における劣後ローン導入の問題点
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| File / Name | License |
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| 中野瑞彦 |
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中野瑞彦
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| アイテムタイプ | 紀要論文 / Departmental Bulletin Paper |
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| 言語 | 日本語 |
| キーワード |
劣後ローン, 資本性資金, 金融検査, 日本政策金融公庫, 新型コロナウイルス感染症対策 |
| 著者 |
中野 瑞彦
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| 抄録 |
Governments of most countries have been struggling against the
economic downturn caused by COVID-19 and taking financial packages such as an expansion of official lending or interest subsidies for borrowing. Japanese government also has secured budget of 62 trillion yen of financial aids to domestic business entities. One specific feature of the current package is an official initiative of launching a subordinate loan to private companies including small and medium sized ones. A subordinate loan is recognized as a kind of capital on the self-assessment of financial institutions though it is literally debt on a balance sheet. It contributes to an improvement of capital ratio of a company. But it should be noted that a subordinate loan is riskier for a creditor than an ordinary one because the loan has neither any division repayment nor collateral. Given the weak economic growth of Japan in the rapid aging society an easy launch of a subordinate loan might result in the significant cause of later economic trouble. Both debtors and creditors should consider a negative impact of a subordinate loan. |
| 雑誌名 | 桃山学院大学経済経営論集 |
| 巻 | 62 |
| 号 | 4 |
| ページ | 327 - 346 |
| 発行年 | 2021-03-22 |
| 出版者 |
桃山学院大学総合研究所
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| ISSN |
02869721
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| 書誌レコードID |
AN00240555
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| 著者版フラグ | publisher |