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Because a commitment fee was regarded as interest on commitment takedown, it would violate the restriction on interest rates of loans if the lender did not use the commitment at all. We empirically examine the relationships between taking demand deposits, holding liquid assets factors and the provision of commitment lines, after the deregulation excluding commitment fees form regarded interest. We find that overdraft privileges and commitment lines increase as demand deposits increase. Interestingly, we find the 45% high median ratio of transactions deposits to total deposits. We argue the unique deposit insurance system and the zero interest-rate policy in Japan might contribute to high ratio of transactions deposits to total deposits.", "subitem_description_type": "Abstract"}]}, "item_4_description_6": {"attribute_name": "\u5185\u5bb9\u8a18\u8ff0", "attribute_value_mlt": [{"subitem_description": "\u7279\u96c6\u3000\u65b0\u3057\u3044\u91d1\u878d\u7d4c\u6e08\u5b66", "subitem_description_type": "Other"}]}, "item_4_full_name_3": {"attribute_name": "\u8457\u8005\u5225\u540d", "attribute_value_mlt": [{"nameIdentifiers": [{"nameIdentifier": "161098", "nameIdentifierScheme": "WEKO"}], "names": [{"name": "XU, Peng"}]}, {"nameIdentifiers": [{"nameIdentifier": "161099", "nameIdentifierScheme": "WEKO"}], "names": [{"name": "LIU, Hong"}]}]}, "item_4_publisher_20": {"attribute_name": "\u51fa\u7248\u8005", "attribute_value_mlt": [{"subitem_publisher": "\u6771\u4eac\u5927\u5b66\u793e\u4f1a\u79d1\u5b66\u7814\u7a76\u6240"}]}, "item_4_select_14": {"attribute_name": "\u8457\u8005\u7248\u30d5\u30e9\u30b0", "attribute_value_mlt": [{"subitem_select_item": "publisher"}]}, "item_4_source_id_10": {"attribute_name": "\u66f8\u8a8c\u30ec\u30b3\u30fc\u30c9ID", "attribute_value_mlt": [{"subitem_source_identifier": "AN00108966", "subitem_source_identifier_type": "NCID"}]}, "item_4_source_id_8": {"attribute_name": "ISSN", "attribute_value_mlt": [{"subitem_source_identifier": "2189-4256", "subitem_source_identifier_type": "ISSN"}]}, "item_4_text_21": {"attribute_name": "\u51fa\u7248\u8005\u5225\u540d", "attribute_value_mlt": [{"subitem_text_value": "Institute of Social Science, The University of Tokyo"}]}, "item_4_text_4": {"attribute_name": "\u8457\u8005\u6240\u5c5e", "attribute_value_mlt": [{"subitem_text_value": "\u6cd5\u653f\u5927\u5b66\u7d4c\u6e08\u5b66\u90e8"}]}, "item_creator": {"attribute_name": "\u8457\u8005", "attribute_type": "creator", "attribute_value_mlt": [{"creatorNames": [{"creatorName": "\u80e5, \u9d6c"}], "nameIdentifiers": [{"nameIdentifier": "161096", "nameIdentifierScheme": "WEKO"}]}, {"creatorNames": [{"creatorName": "\u5289, \u7d05"}], "nameIdentifiers": [{"nameIdentifier": "161097", "nameIdentifierScheme": "WEKO"}]}]}, "item_files": {"attribute_name": "\u30d5\u30a1\u30a4\u30eb\u60c5\u5831", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_date", "date": [{"dateType": "Available", "dateValue": "2020-07-14"}], "displaytype": "detail", "download_preview_message": "", "file_order": 0, "filename": "shk064003005.pdf", "filesize": [{"value": "995.1 kB"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_free", "mimetype": "application/pdf", "size": 995100.0, "url": {"label": "shk064003005.pdf", "url": "https://repository.dl.itc.u-tokyo.ac.jp/record/16894/files/shk064003005.pdf"}, "version_id": "70fb6a67-b89c-4550-9b9f-b39e0563a661"}]}, "item_keyword": {"attribute_name": "\u30ad\u30fc\u30ef\u30fc\u30c9", "attribute_value_mlt": [{"subitem_subject": "\u878d\u8cc7\u67a0", "subitem_subject_scheme": "Other"}, {"subitem_subject": "\u8cc7\u91d1\u5236\u7d04", "subitem_subject_scheme": "Other"}, {"subitem_subject": "\u6d41\u52d5\u6027", "subitem_subject_scheme": "Other"}, {"subitem_subject": "\u8981\u6c42\u6255\u9810\u91d1", "subitem_subject_scheme": "Other"}, {"subitem_subject": "\u9810\u91d1\u4fdd\u967a", "subitem_subject_scheme": "Other"}]}, "item_language": {"attribute_name": "\u8a00\u8a9e", "attribute_value_mlt": [{"subitem_language": "jpn"}]}, "item_resource_type": {"attribute_name": "\u8cc7\u6e90\u30bf\u30a4\u30d7", "attribute_value_mlt": [{"resourcetype": "departmental bulletin paper", "resourceuri": "http://purl.org/coar/resource_type/c_6501"}]}, "item_title": "\u8981\u6c42\u6255\u9810\u91d1\u3001\u9280\u884c\u6d41\u52d5\u8cc7\u7523\u3068\u878d\u8cc7\u67a0", "item_titles": {"attribute_name": "\u30bf\u30a4\u30c8\u30eb", "attribute_value_mlt": [{"subitem_title": "\u8981\u6c42\u6255\u9810\u91d1\u3001\u9280\u884c\u6d41\u52d5\u8cc7\u7523\u3068\u878d\u8cc7\u67a0"}]}, "item_type_id": "4", "owner": "1", "path": ["55/864/884/885", "9/504/867/886/887"], "permalink_uri": "http://hdl.handle.net/2261/61132", "pubdate": {"attribute_name": "\u516c\u958b\u65e5", "attribute_value": "2016-11-20"}, "publish_date": "2016-11-20", "publish_status": "0", "recid": "16894", "relation": {}, "relation_version_is_last": true, "title": ["\u8981\u6c42\u6255\u9810\u91d1\u3001\u9280\u884c\u6d41\u52d5\u8cc7\u7523\u3068\u878d\u8cc7\u67a0"], "weko_shared_id": null}