banking methodsとは 意味・読み方・使い方

At a time when land prices are continuing to rise and the myth that they will always continue to rise is believed, providing loans to SMEs secured by land involves extremely little risk for financial institutions. In contrast, when land prices are falling, real estate security is no longer sufficient to cover the risk. In such circumstances, financial institutions are expected to cover this risk by strengthening their "relationship banking" capabilities by methods including diverse means of lending without the use of real estate security, and methods of dealing with risk.例文帳に追加

地価は下落しないという「土地神話」を前提に地価が上昇し続ける局面では、土地を担保にとっていれば、中小企業融資に伴う金融機関側のリスクは極めて少なかったのに対し、地価下降局面では不動産担保だけではリスクをカバーしきれなくなってきており、そのリスクを不動産担保以外の多様な融資手法やリスク対応方法も含めた、リレーションシップバンキング機能の強化でカバーするようになってきていると推測される。 - 経済産業省

At the same time, however, it has been commented that financial institutions remain reliant on security and lack sufficient discernment, indicating that sufficient steps have yet to be taken. It is therefore hoped that financial institutions will further strengthen their relationship banking functions so as to accumulate quantitative and qualitative data on enterprises through continued transactions, and steadily dispose of their nonperforming loans, by taking advantage of methods such as the credit scoring models described above, regional characteristics, and the features of the enterprises with which they do business.例文帳に追加

しかしながら、一方で担保主義から脱却していない、目利き能力が十分でない等の指摘もあり、金融機関の取組が十分ではないとの声も挙がっていることから、金融機関には、これまで述べたクレジットスコアリングモデル等の手法の活用や地域性、取引先企業の特性等を踏まえて、継続的な取引により、企業の定量情報と定性情報を蓄積するリレーションシップバンキングのさらなる機能強化及び不良債権の着実な処理が望まれる。 - 経済産業省

Treatment of Classifications Regarding Credits to Small and MediumSized Enterprises revised in February 2004 also explicitly states that financial institutions should “strive to properly manage loans and monitor the business situation of enterprises, including qualitative information regarding, for example, their technological capabilities, sales strengths, and proprietors’ qualities, through continued visits to enterprises and similar methods,”) and in recent years, community-based finance of this kind ? i.e., relationship banking)? has really begun to get off the ground at financial institutions (see Case 1-3-1).発音を聞く 例文帳に追加

2004年2月に改訂された金融庁「金融検査マニュアル別冊〔中小企業融資編〕」においても、金融機関に対して、「継続的な企業訪問等を通じて企業の技術力、販売力や経営者の資質といった定性的な情報を含む経営実態の十分な把握と債権管理に努める13」よう明記されており、近年、金融機関側においてもこうした地域密着型金融（リレーションシップバンキング）14に対する取組は本格化してきている（事例1-3-1参照）。 - 経済産業省

(Note 1) "Financial Holding Company" means a holding company which falls under one or more of the following categories of holding companies: "Bank Holding Company" set forth in Article 2, paragraph 13 of the Banking Law; "Long-term Credit Bank Holding Company" set forth in Article 16-4 of the Long-term Credit Bank Law; "Insurance Holding Company" set forth in Article 2, paragraph 16 of the Insurance Business Law or a holding company owning, as its subsidiary, a securities firm set forth in Article 59, paragraph 1 of the Securities and Exchange Law (a holding company set forth in Article 9, paragraph 5, item 1 of the Law relating to Prohibition of Private Monopoly and Methods of Preserving Fair Trade; hereinafter referred to as a "Securities Holding Company" ) and which owns, as its subsidiaries, financial institutions engaged in more than one type of the following businesses: banks (including long-term credit banks), insurance companies, securities firms, etc. (securities firms, securities investment advisers and investment trust management companies).発音を聞く 例文帳に追加

（注１）「金融持株会社」とは、銀行法第２条第１３項に定める「銀行持株会社」、長期信用銀行法１６条の４に定める「長期信用銀行持株会社」、保険業法第２条第１６項に定める「保険持株会社」、又は証券取引法第５９条第１項に定める証券会社を子会社とする持株会社（私的独占の禁止及び公正取引の確保に関する法律第９条第５項第１号に規定する持株会社。以下「証券持株会社」という。）の複数に該当する持株会社又はこれらのいずれかであって、銀行（長期信用銀行含む）、保険会社、証券会社等（証券会社、証券投資顧問業者又は投資信託委託業者）のうち、２以上の異なる業態の金融機関を子会社とする会社をいう。 - 金融庁

In the following sections, we examine the following methods of reducing the asymmetry of information in SME finance and facilitating the provision of funds to SMEs: (1) relationship banking to ease the asymmetry of information by collecting qualitative information ("soft information")10) through continuing long-term business relations; (2) use of credit scoring models to estimate the probability of bankruptcy by calculating the "quality of a borrower" statistically from population data; and (3) asset-based lending (lending backed by assets) by lending according to the value of assets, such as accounts receivable and inventories, regarding which there is no serious asymmetry of information, where asymmetry of information is less serious than it is in simply assessing borrowers themselves.例文帳に追加

次節以降では、この中小企業金融において存在する「情報の非対称性」を緩和し中小企業への円滑な資金調達が行われるための手法として、〔1〕長期の継続的な取引による定性情報（いわゆるソフトインフォメーション10）の収集により、情報の非対称性を緩和するリレーションシップレンディング、〔2〕借り手の質等を母集団となるデータから統計的に算出した倒産確率によって推定するクレジットスコアリングモデル、〔3〕借り手自体より、情報の非対称性の深刻でない売掛金、在庫といった資産の価値に基づいて融資を行う、アセットベーストレンディング（資産担保貸出）について検証していく11。 - 経済産業省