村本 孜５１‐８５／５１‐８５
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1 One for all, all for one.
2 One for all, all for one. ( One for all, all for one. ) One for all, all for one. ( One for all, all for one. ) One for all, all for one. Manes, A. (1877~1963) [2006] p. 37 Raiffisen [1992] (p. 65~66) [2003]
3 (cross subsidization) [1991] p. 224 [2006] p. 8Manes n P r Z np = rz P = (r/n) Z = wz [2006] p. 37~38 [2003] (p. 112) [2003]
4 [2006] [2007] CRD CRD (pp. 112~113) [1993] (pp. 6~9) [1993] JA pp. 19~20 building society
5 CRD (insurance) (pool) (share) [2006] p. 15 [2007] pp. 177~178 [1992] (p. 66)
6
7
8 Sandler and Tschirhart [1980] (p. 1513) Buchanan [1965] [1971] Tiebout [1956] Pigou Knight, F. (Sandler and Tschirhart [1980] p. 1481) Sandler and Tschirhart [1980] mutual benefit voluntary group (p.1482) [1988] pp. 190~ ~ 216 [1999] pp. 100~103 [2005] pp. 271~ ~362 [2006] pp. 232~233
9 Sandler and Tschirhart [1980] (p. 1512) professional associations (p. 1513)
10 (congestion) [1988] (p. 191)
11 Ng [1973] Sandler and Tschirhart [1980] Sandler and Tschirhart [1980] p Buchanan [1965] (p.7) Buchanan (p. 1) Hillman [1978] [2004] p. 78 Sandler and Tschirhart [1980] p. 1497
12 [2000] [2004] [2006] [2000] [2004] [2000] pp. 3, 14~15
13 (member bank) [2006] [1977] [1978] [1980] [1977] [1978] [2004] pp. 85~87 [2006] pp. 149~150 [1980] p. 185
14 [2000] [2000] [2006] [2007] CRD CRD
15 CRD [2006] [2007]
16 (2006) (2006)
17 A B C
18 CPU Caves et al. [1985] pp. 471~475. [2004] [2006] [2006] (Caves et al. [1985] p. 474) [1998]
19 Leibenstein Katz and Shapiro [1985] (p. 424) [1998] p. 39
20
21 [1999] pp. 195~196
22 [1997] [1999] [1993] p. 168 [1996] p. 4
23 ! [2000 (a)] [1996] p. 4 (A) [ ] p. 6
24 a) b) c) [1999] [2000 (a) (b)]
25 ! [1999]
26 ! [2000 (b)]
27 ! [1999]
28 voice exit voice
29 (deposit) (share) credit union
30
31 reputation Fitchrating reputation
32 [1996] [1997] Baseman, K., Open Entry and Cross-Subsidization in Regulated Markets, in Fromm (ed.), Studies in Public Regulation, MIT Press, Buchanan, J. M., An Economic Theory of Clubs, Economica, Vol. 32 Isuue 125, Feb. 1965, pp , The Demand and Supply of Public Goods, Rand McNally, Caves, W., Chrisyensen, R. and Tretheway, W., Economies of Density versus Economies of Scale: Why Trunk and Local Service Airline Costs Differ?, Rand Journal of Economics, Vol. 15 No. 4, Winter 1984, pp Cornes,R.andSandler,T.,The Theory of Externalities, Public Goods, and Club Goods, 1986 (2nd edition 1996), Cambridge University Press. Faulhaber, G., Cross-Subsidization: Pricing in Public Enterprises, American Economic Review, Vol. 65 No. 5, Dec 1975, pp Hillman, A., The Theory of Clubs: A Technological Formulation, in Sandmo, A. (ed.), Essays in Public Economics, Lexington, 1978., Public Finance and Public Policy: Responsibilities and Limitations of Government, Cambridge Univ. Press, Katz, L. and Shapiro, C., Network Externalities, Competition,and Compatibility, American Economic Review, Vol. 75 No. 3, June 1985, pp Laffont,J.andTirole,J.,A Theory of Incentives in Procurement and Regulation, MIT Press, Ng, Yew-Kwang, The Economic Theory of Clubs: Pareto Optimality Conditions, Economica, Vol. 40 Issue 159, Aug. 1973, pp Sandler, T. and Tschirhart, J., The Economic Theory of Clubs: An Evaluative Survey, Journal of Economic Literature, Vol. 18 Issue 4, Dec. 1980, pp and, Club Theory: Thirty Years Later, Public Choice, Vol. 93 Nos. 3-4, 1997, pp Tiebout, C., A Pure Theory of Local Expenditures, Journal of Political Economy, Vol. 64 No. 5, Oct. 1956, pp RIETI Discussion Paper Series 06-J-041, pp
33 pp No. 47 pp No. 51, 1978, pp pp REPORT pp (a) pp (b) REPORT pp REPORT pp pp pp pp pp. 2-7 pp pp pp pp
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