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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/24270


    Title: 信用分配制度的轉變對政府、企業與銀行關係的影響─日本與南韓之比較
    Other Titles: Impact of Credit Allocation Changes on States, Enterprises, and Banks: Japan and South Korea Compared
    Authors: 蔡增家
    Tsai, Tzeng-Jia
    Contributors: 政大政治系
    Keywords: 信用分配;金融自由化;主要銀行體系;交易銀行體系;市場友好;市場遵從;干預型國家
    credit allocation;financial liberalization;main bank system;principal transactions bank system
    Date: 1999-08
    Issue Date: 2009-01-13 09:04:18 (UTC+8)
    Abstract: 本文主要的論點認為，東亞國家在一九八O年之後所施行的金融自由化，使得國內企業的融資管道從銀行體系轉向非銀行金融體系及資本市場，在這種情況下將會降低政府控制金額制度的能力，增家企業獲取資金的管道，進而改變政府、企業與銀行之間的互動關係，造成國內金融制度得脆弱性。所以筆者認為在國家進行金融自由化的同時，國內金融的監督制度應該要隨之調適，文中將以日本及南韓兩個國家為例證。本文的主要理由是這兩個國家在過去都以政府控制銀行體系，提倡高儲蓄率，並利用銀行豐沛的資金為企業提供低廉的資金，來促進經濟的快速成長。可是仔細觀察在政府、銀行與企業的關係上，兩國卻有明顯制度上的差異，日本是「主要銀行體系」(main bank system)，南韓則是「交易銀行體系」(principal transactions bank system)，在金融自由化的浪潮下，不同的銀行體系使得這兩個國家產生不同的金融工具，日本的非銀行金融體系成為企業重要的資金來源，南韓的大企業則以資金市場為主要融資管道。二者不同的金融制度卻分別前後在一九九七年爆發金融危機：日本因為非銀行金融體系的鉅額不良債權而出現銀行危機，南韓則是大企業利用資本市場的資金過度投資而出現企業危機。因此，本文將以信用分配〈credit allocation〉的角度來分析這兩個國家在金融自由化之後國內金融體制的轉變。
    This article includes: a prelude, short history of the Russian constitution, amendment debates, the process of the 1993 constitution, and the conclusion. This article argues that East Asian financial liberalization that took place in the 1980s have changed enterprise loan channel from a bank system to a capital market. This change decreases the capability of government financial control institutions while increasing the sources of capital. Therefore, when a state begins financial liberalizations, it must also adjust its monitoring system simultaneously. This article examines this relationship using Japan and South Korea as case studies. There are differences between Japan and South Korea’s financial systems. Japan is a main bank system, while South Korea is a principal transactions bank system. Under financial liberalization, the former often faces bank crises, while the latter faces business crises. The primary reasons are debt default and improper investment.
    Relation: 問題與研究, 38(8), 61-88
    Data Type: article
    Appears in Collections:[問題與研究 TSSCI] 期刊論文

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