{"created":"2024-12-09T02:57:37.022917+00:00","id":2002105,"links":{},"metadata":{"_buckets":{"deposit":"cbc9b98c-d0d7-4be3-a8d3-fa799ac08e1a"},"_deposit":{"created_by":10,"id":"2002105","owner":"10","owners":[10],"pid":{"revision_id":0,"type":"depid","value":"2002105"},"status":"published"},"_oai":{"id":"oai:kansai-u.repo.nii.ac.jp:02002105","sets":["528:933:953:1718946566967"]},"author_link":["18387"],"control_number":"2002105","item_10_alternative_title_20":{"attribute_name":"その他のタイトル","attribute_value_mlt":[{"subitem_alternative_title":"One Consideration of Bank Credit : Financial System and Lending","subitem_alternative_title_language":"en"}]},"item_10_biblio_info_7":{"attribute_name":"書誌情報","attribute_value_mlt":[{"bibliographicIssueDates":{"bibliographicIssueDate":"2024-12-10","bibliographicIssueDateType":"Issued"},"bibliographicIssueNumber":"3","bibliographicPageEnd":"218","bibliographicPageStart":"199","bibliographicVolumeNumber":"74","bibliographic_titles":[{"bibliographic_title":"関西大学経済論集","bibliographic_titleLang":"ja"}]}]},"item_10_description_4":{"attribute_name":"概要","attribute_value_mlt":[{"subitem_description":"産業金融に携わる銀行は、第一に丁寧な与信審査を行わなければならない。第二に与信から生み出される償還財源を構成する新たなキャッシュフローを計算した上で、通常は銀行が連結決算計数を基準に所要審査手法に基づき総合的に判断して与信総体から見た要返済債務償還年数を試算する。資金使途として、増強・合理化、省力化、構造改革による財務内容改善が認められること等取引先に金銭消費貸借、或いは出資等を通じた当該与信は経済的に意味があり、併せて預金を原資とする有償資金が銀行の金融仲介機能を通じて投入される価値判断を行う。第三に、組織として神ならぬ人間が判断した当該与信が不幸にも不良債権化した場合に備え、物的・人的担保徴求を実行・資金交付以前に実施して債権回収極大化を図っている。獲得されるキャッシュフロー総額と共に、更に与信期間全体を通して、どの時期に返済原資に回せる金額を超える十分なそれぞれの時期に見合うだけの期間損益を安全・確実に稼ぎ出せるかを財務内容に落として見極める目利き能力を信用創造機能が認められている銀行は、金融制度の上から社会的に要求されている。この事実は、先の大戦期(1931年～1945年)を経て無条件降伏した敗戦後の戦後復興期～高度経済成長期まで、長年続いた日本経済全体に及ぶ絶対的資金不足時代に自然発生的に生じた銀行が原則物的・人的担保を徴求した上で初めて与信するという金融慣行に遡及してその理由・背景を考慮する必要がある。嘗ては、石橋を叩いて渡る、と言われていた銀行特有の経営文化が存在して来た。しかしながら、バブル経済期(1986年～1990年)に於ける未曾有の株式・不動産価格高騰に幻惑された今となっては、臍を嚙むべき日本経済停滞の30数年が継続している。異常な担保物件評価額増嵩と、有り余ったカネが織り成す「財テク」という過ぎてしまえば、文字通り空中楼閣と何ら変わらない空虚且つ無責任時代背景に、銀行与信が軽佻浮薄に実行され、民間長期信用銀行3行の破綻・3メガバンク体制移行等に見られる惨憺たる21世紀最初の四半期が終わる今日にまで及んでいる。株式・不動産(土地)を重視して来た静態的担保物件評価が換価可能予想キャッシュフロー総額を遥かに下回った歴史的な事実を踏まえて、本稿は銀行融資実務とその背景を金融システムの観点から論述する。","subitem_description_language":"ja","subitem_description_type":"Other"}]},"item_10_identifier_registration":{"attribute_name":"ID登録","attribute_value_mlt":[{"subitem_identifier_reg_text":"10.32286/0002002105","subitem_identifier_reg_type":"JaLC"}]},"item_10_publisher_34":{"attribute_name":"出版者","attribute_value_mlt":[{"subitem_publisher":"関西大学経済学会","subitem_publisher_language":"ja"}]},"item_10_source_id_10":{"attribute_name":"書誌レコードID","attribute_value_mlt":[{"subitem_source_identifier":"AN00046869","subitem_source_identifier_type":"NCID"}]},"item_10_source_id_8":{"attribute_name":"ISSN","attribute_value_mlt":[{"subitem_source_identifier":"04497554","subitem_source_identifier_type":"PISSN"}]},"item_10_version_type_17":{"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":"open 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