{"created":"2023-05-15T15:57:22.736881+00:00","id":26620,"links":{},"metadata":{"_buckets":{"deposit":"bfa0e8c4-da75-400e-9e92-2f70d19b3785"},"_deposit":{"created_by":3,"id":"26620","owners":[3],"pid":{"revision_id":0,"type":"depid","value":"26620"},"status":"published"},"_oai":{"id":"oai:shinshu.repo.nii.ac.jp:00026620","sets":["2668"]},"author_link":["103800","103799"],"item_20004_alternative_title_1":{"attribute_name":"その他(別言語等)のタイトル","attribute_value_mlt":[{"subitem_alternative_title":"The Information Technology System developed jointly by Japanese Regional Banks and its Effect on the Banking Business"}]},"item_20004_biblio_info_27":{"attribute_name":"書誌情報","attribute_value_mlt":[{"bibliographicIssueDates":{"bibliographicIssueDate":"2011-03-31","bibliographicIssueDateType":"Issued"},"bibliographicPageEnd":"36","bibliographicPageStart":"21","bibliographicVolumeNumber":"62","bibliographic_titles":[{"bibliographic_title":"信州大学経済学論集"}]}]},"item_20004_creator_3":{"attribute_name":"作成者(その他言語)","attribute_type":"creator","attribute_value_mlt":[{"creatorNames":[{"creatorName":"山沖, 義和"}],"nameIdentifiers":[{}]}]},"item_20004_date_19":{"attribute_name":"日付","attribute_value_mlt":[{"subitem_date_issued_datetime":"2015-09-24","subitem_date_issued_type":"Created"}]},"item_20004_description_14":{"attribute_name":"内容記述","attribute_value_mlt":[{"subitem_description":"本稿では，近年，地域銀行がシステム共同化を推進している現状を紹介した上で，規模が小さく，県内貸出金シェアが低い地域銀行，特に地方銀行がシステム共同化に踏み切っていることを統計的に明らかにした。また，４つ以上の参加行が共同システムを稼働させている５つの共同システムを取り上げ，2008年３月期のデータに基づき，参加行における経費抑制効果とともに，貸出金利回りに与える影響について実証分析を行った。特に，共同システムによっては，経費抑制効果を通じて貸出金利回りが低く設定されるはずにもかかわらず，経費以外の要因として，むしろ貸出金利回りが高く設定される「システム共同化によるカルテル効果」が見られる場合があることを示した。","subitem_description_type":"Other"}]},"item_20004_description_20":{"attribute_name":"資源タイプ","attribute_value_mlt":[{"subitem_description":"Article","subitem_description_type":"Other"}]},"item_20004_description_21":{"attribute_name":"フォーマット","attribute_value_mlt":[{"subitem_description":"application/pdf","subitem_description_type":"Other"}]},"item_20004_description_22":{"attribute_name":"その他の資源識別子","attribute_value_mlt":[{"subitem_description":"信州大学経済学論集 62: 21-36(2011)","subitem_description_type":"Other"}]},"item_20004_full_name_16":{"attribute_name":"公開者(その他言語)","attribute_value_mlt":[{"nameIdentifiers":[{}],"names":[{"name":"信州大学経済学部"}]}]},"item_20004_identifier_23":{"attribute_name":"資源識別子URI","attribute_value_mlt":[{"subitem_identifier_type":"HDL","subitem_identifier_uri":"http://hdl.handle.net/10091/13156"}]},"item_20004_source_id_25":{"attribute_name":"ISSN","attribute_value_mlt":[{"subitem_source_identifier":"0288-0466","subitem_source_identifier_type":"ISSN"}]},"item_20004_source_id_26":{"attribute_name":"処理レコードID(総合目録DB)","attribute_value_mlt":[{"subitem_source_identifier":"AN00121181","subitem_source_identifier_type":"NCID"}]},"item_20004_version_type_51":{"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_access_right":{"attribute_name":"アクセス権","attribute_value_mlt":[{"subitem_access_right":"metadata only access","subitem_access_right_uri":"http://purl.org/coar/access_right/c_14cb"}]},"item_files":{"attribute_name":"ファイル情報","attribute_type":"file","attribute_value_mlt":[{"url":{"url":"https://soar-ir.repo.nii.ac.jp/?action=repository_action_common_download&item_id=2649&item_no=1&attribute_id=65&file_no=1"}}]},"item_keyword":{"attribute_name":"キーワード","attribute_value_mlt":[{"subitem_subject":"IT システム","subitem_subject_scheme":"Other"},{"subitem_subject":"共同化","subitem_subject_scheme":"Other"},{"subitem_subject":"経費抑制","subitem_subject_scheme":"Other"},{"subitem_subject":"貸出金利回り","subitem_subject_scheme":"Other"},{"subitem_subject":"カルテル効果","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":"地域銀行によるシステム共同化の現状とその効果","item_titles":{"attribute_name":"タイトル","attribute_value_mlt":[{"subitem_title":"地域銀行によるシステム共同化の現状とその効果"}]},"item_type_id":"20004","owner":"3","path":["2668"],"pubdate":{"attribute_name":"公開日","attribute_value":"2020-09-01"},"publish_date":"2020-09-01","publish_status":"0","recid":"26620","relation_version_is_last":true,"title":["地域銀行によるシステム共同化の現状とその効果"],"weko_creator_id":"3","weko_shared_id":3},"updated":"2023-05-15T22:18:00.492452+00:00"}