{"created":"2021-03-01T06:34:10.793895+00:00","id":16894,"links":{},"metadata":{"_buckets":{"deposit":"a6ef75f7-e288-4b6f-871e-ff27413266a9"},"_deposit":{"id":"16894","owners":[],"pid":{"revision_id":0,"type":"depid","value":"16894"},"status":"published"},"_oai":{"id":"oai:repository.dl.itc.u-tokyo.ac.jp:00016894","sets":["55:864:884:885","9:504:867:886:887"]},"item_4_alternative_title_1":{"attribute_name":"その他のタイトル","attribute_value_mlt":[{"subitem_alternative_title":"Demand deposits, bank liquid assets and bank lines of credit"}]},"item_4_biblio_info_7":{"attribute_name":"書誌情報","attribute_value_mlt":[{"bibliographicIssueDates":{"bibliographicIssueDate":"2013-03-26","bibliographicIssueDateType":"Issued"},"bibliographicIssueNumber":"3","bibliographicPageEnd":"75","bibliographicPageStart":"61","bibliographicVolumeNumber":"64","bibliographic_titles":[{"bibliographic_title":"社會科學研究"}]}]},"item_4_description_5":{"attribute_name":"抄録","attribute_value_mlt":[{"subitem_description":"われわれは、最近発展を遂げてきた融資枠に関する理論実証分析を踏まえて、特定融資枠契約に関する法律の借主の範囲拡大の沿革を概観し、ユニークなデータを用いて、銀行別の要求払預金割合の銀行流動性と未実行融資枠に対する効果について実証分析を行った。まず、要求払預金が預金の45%も占めることについては、二つの理由が考えられる。一つは、預金保険制度により、当座預金や利息の付かない普通預金等（決済用預金）が全額保護される点である。もう一つは、ゼロ金利政策により、定期預金などの流動性の低い資産の魅力が大幅に薄れたため、わずかな金利と引き換えに流動性を犠牲にして定期預金を保有するコストが高すぎると考えられる。また、要求払預金を多く受け入れている銀行ほど融資枠を多く提供するという実証結果は、二つのサービスの間にシナジー効果があることを示唆する。","subitem_description_type":"Abstract"},{"subitem_description":"In Japan, banks were not allowed to provide commitment lines until 1999. 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":"内容記述","attribute_value_mlt":[{"subitem_description":"特集　新しい金融経済学","subitem_description_type":"Other"}]},"item_4_full_name_3":{"attribute_name":"著者別名","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":"出版者","attribute_value_mlt":[{"subitem_publisher":"東京大学社会科学研究所"}]},"item_4_select_14":{"attribute_name":"著者版フラグ","attribute_value_mlt":[{"subitem_select_item":"publisher"}]},"item_4_source_id_10":{"attribute_name":"書誌レコードID","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":"出版者別名","attribute_value_mlt":[{"subitem_text_value":"Institute of Social Science, The University of Tokyo"}]},"item_4_text_4":{"attribute_name":"著者所属","attribute_value_mlt":[{"subitem_text_value":"法政大学経済学部"}]},"item_creator":{"attribute_name":"著者","attribute_type":"creator","attribute_value_mlt":[{"creatorNames":[{"creatorName":"胥, 鵬"}],"nameIdentifiers":[{"nameIdentifier":"161096","nameIdentifierScheme":"WEKO"}]},{"creatorNames":[{"creatorName":"劉, 紅"}],"nameIdentifiers":[{"nameIdentifier":"161097","nameIdentifierScheme":"WEKO"}]}]},"item_files":{"attribute_name":"ファイル情報","attribute_type":"file","attribute_value_mlt":[{"accessrole":"open_date","date":[{"dateType":"Available","dateValue":"2020-07-14"}],"displaytype":"detail","filename":"shk064003005.pdf","filesize":[{"value":"995.1 kB"}],"format":"application/pdf","licensetype":"license_note","mimetype":"application/pdf","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":"キーワード","attribute_value_mlt":[{"subitem_subject":"融資枠","subitem_subject_scheme":"Other"},{"subitem_subject":"資金制約","subitem_subject_scheme":"Other"},{"subitem_subject":"流動性","subitem_subject_scheme":"Other"},{"subitem_subject":"要求払預金","subitem_subject_scheme":"Other"},{"subitem_subject":"預金保険","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":"要求払預金、銀行流動資産と融資枠","item_titles":{"attribute_name":"タイトル","attribute_value_mlt":[{"subitem_title":"要求払預金、銀行流動資産と融資枠"}]},"item_type_id":"4","owner":"1","path":["885","887"],"pubdate":{"attribute_name":"公開日","attribute_value":"2016-11-20"},"publish_date":"2016-11-20","publish_status":"0","recid":"16894","relation_version_is_last":true,"title":["要求払預金、銀行流動資産と融資枠"],"weko_creator_id":"1","weko_shared_id":null},"updated":"2022-12-19T03:54:55.920445+00:00"}