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Financial Sector Assessment Program-Technical Note-Long-Term Challenges for Financial Intermediation
出版International Monetary Fund, 2017-09-18
主題Social Science / DemographyBusiness & Economics / Banks & BankingBusiness & Economics / Industries / Financial Services
ISBN14843197459781484319741
URLhttp://books.google.com.hk/books?id=Yz8ZEAAAQBAJ&hl=&source=gbs_api
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註釋This Technical Note analyzes and quantifies the effect of aging in Japan—both at the national and regional levels—on the nature of financial intermediation. Mounting demographic headwinds constitute a major challenge for regional financial institutions in Japan. According to prefectural population projections and econometric estimates, the impact from demographic headwinds is likely to intensify significantly over the next two decades. Financial sector policies should aim to address the constraints to financial access by further promoting risk-based lending and asset-based lending. Banks should continue to be encouraged to build capacity for risk assessment to do more risk-based lending.