海外における協同組織金融機関の現状

Size: px
Start display at page:

Download "海外における協同組織金融機関の現状"

Transcription

1

2 credit union mutual thrift credit union building society Kreditgenossenschaft Savings & Loan association

3 Crédit Agricole Arbejdernes Landsbank Amalgamated Bank

4

5 credit union mutual thrift savings bank Savings & Loan association Federal Credit Union Act 101(1): the term Federal Credit Union means a cooperative association organized in accordance with the provisions of this chapter for the purpose of promoting thrift among its members and a source of credit for provident or productive purposes.

6 savings bank credit union building society Financial Exclusion Social Exclusion Financial Exclusion http: //boj.or.jp/ronbun/ronbun_f.htm

7 Volksbank Raiffeisenbank Kreditgenossenschaft Bundesverband der Deutschen Volksbanken und Raiffeisenbanken Saemaul

8 share

9

10 Rabobank Rabobank Nederland Rabobank Crédit Agricole Crédit Agricole S.A. Caisses Régionales Caisses Locales

11 net worth requirements

12

13 savings bank

14 savings bank

15 Zusammen geht mehr Rabobank Rabobank Rabobank DZ Bank Rabobank Group Rabobank Group

16 Crédit Agricole Crédit Agricole Crédit Agricole S.A. Caisses Régionales Caisses Locales Rabobank GZ Bank Genossenschaftliche Zentralbank DG Bank Deutsche Genossenschaftsbank DZ Bank Deutsche Zentral-Genossenschaftsbank DZ Bank WGZ Bank Westdeutsche Genossenschafts-Zentralbank DZ Bank

17 Rabobank Rabobank Nederland Rabobank Rabobank Nederland Rabobank Rabobank Rabobank Nederland Rabobank Rabobank Rabobank Rabobank Rabobank Membership Certificate Rabobank Rabobank Nederland Rabobank Nederland Rabobank Rabobank Nederland Rabobank Rabobank Coöperatieve Centrale Raiffeisenbank Coöperatieve Centrale Boerenleenbank Rabobank Rabobank Rabobank Rabobank

18 Rabobank Rabobank

19

20

21 BaFin BaFin

22 savings bank savings bank savings bank BaFin

23 tangible capital well capitalized complex credit unions Tier Threshold Ratio Tier own funds Tier

24 all holders of savings, demand or other authorized accounts share savings account deposit account share qualified thrift member business loan deposit account

25

26 Association American Share Insurance CorporationMaryland Credit Union Insurance Corporation Washington Credit Union Share Guaranty

27 * (

28 DZ BANK Deutsche Zentral- Genossenschaftsbank giro network DZ BANK

29 Financial Exclusion Byrd, John W., Donald R. Fraser, D. Scott Lee, Thomas G.E. Williams, Financial Crises, Natural Selection and Governance Structure: Evidence from the Thrift Crisis, EFA 2001 Barcelona Meetings, Undated. DeGennaro, Ramon P., Larry H.P. Lang, James B. Thomson, Troubled Savings and Loan Institutions: Turnaround Strategies Under Insolvency, Financial Management, Vol.22, No.3, Autumn Heffernan, Shelagh, The Effect of UK Building Society Conversion on Pricing Behavior, Cass Business School of City University, Faculty of Finance Working Paper, March Smith, Dwight C., James H. Underwood, Business Transactions Division Memorandum: Mutual Savings Associations and Conversion to Stock Form, Office of Thrift Supervision, May DZ Bank Group Annual Report Rabobank Group Annual Report 2003.

Genossenschaftsgesetz GenG Genossenschaft 1 GenG 7 GenG 19 GenG Aufsichtsrat Vorstand Nachschusspflicht 6 GenG, G./, U.: in die Allgemeine Betriebswir

Genossenschaftsgesetz GenG Genossenschaft 1 GenG 7 GenG 19 GenG Aufsichtsrat Vorstand Nachschusspflicht 6 GenG, G./, U.: in die Allgemeine Betriebswir Kreditgenossenschaft Genossenschaftsbank BZ Bank Herrmann Schulze-Delitzsch 1808 83 Friedrich Wilhelm Raiffeisen 1818 83 Bockelmann, F.: Forderer der Selbsthilfe Das Modell der Genossenschaftsbanken, in

More information

Microsoft Word - 査読SP問題110510RR.doc

Microsoft Word - 査読SP問題110510RR.doc JAVCERM Journal [] 2 # 2011_01_Ronko 2010 1 4 2011 5 12 1 2 2 1999 National Bank of Keystone(Keystone), Pacific Thrift and Loan(PLT) FDIC CAMEAL 20 20 1 11 6 2.2 2000 Greenspan FRB 2000 IT IT Greenspan[2004]

More information

金融コングロマリットと範囲の経済:収益面の分析( )

金融コングロマリットと範囲の経済:収益面の分析( ) 3 ING 1998 2001 16 2 13 3 23 1 1 2 Herring and Santomero 1990 (1992) 3 2 Berger, Hanweck and Humphre(1987) 3 4 1 2 4 3 3 4 1 2 (2003) 3 Group of Ten (2001) 4 24 Berger, Hanweck and Humphre(1987) 1 2 3

More information

Winter 2009 No Lower Earnings Limit

Winter 2009 No Lower Earnings Limit 特集 : イギリスの社会保障 - ニューレイバーの 10 年 イギリスの公的 私的年金制度改革 丸谷浩介 I 1 50 1997 II 1. 2 15 Winter 2009 No. 169 8 3 4 1999 1989 8 2. 4 1 2 1 1992 6 16 Lower Earnings Limit1 65 60 1 2 16 2.40 16 2 1 5 1 2 3. 6 1970 State

More information

野村資本市場研究所|ベイルインの導入に向けた検討-破綻時に債権の損失吸収を図る新たな措置-(PDF)

野村資本市場研究所|ベイルインの導入に向けた検討-破綻時に債権の損失吸収を図る新たな措置-(PDF) 1. SIFI 2. EU 1 FDIC G20 FSB 3. 4. FSB 2012 8 G20 88 2012 6 EU EU bail-in 1 ICB 2 write-down SIFI SIFI SIFI bail-out SIFI G20 too big to fail 2010 6 G20 SIFI 1 3 2011 11 FSBG20 1 2 3 2012 ICB PLAC 2011

More information

PDFŠpŒ{ٶ

PDFŠpŒ{ٶ Shinkin Central Bank Monthly Review 2003.12 hinkin Central Bank Monthly Review 200312 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 Community Banker 24 25 26 27 28 29 30 31 32 33 34 35 36

More information

米国における金融・資本市場改革の展開

米国における金融・資本市場改革の展開 1980 DIDMCA 1982 1994 20 & 1989 FIRREA 1991 FDICIA 1999 11 12 Gramm-Leach- Bliley Act P.L.106-102, 113 STAT.1338 1933 Glass-Steagall Act P.L. 73-66, 48 STAT. 162 66 1980 1981 1980 1990 & Savings and Loan

More information

untitled

untitled financial report - 1 - - 2 - - 3 - - 4 - - 5 - - 6 - - 7 - - 8 - - 9 - - 10 - - 11 - - 12 - - 13 - - 14 - - 15 - - 16 - - 17 - - 18 - - 19 - - 20 - - 21 - - 22 - - 23 - - 24 - - 25 - - 26 - - 27 - -

More information

10Disclosure_H0104_0618

10Disclosure_H0104_0618 01 SHIZUOKA BANK GROUP REPORT 2010 SHIZUOKA BANK GROUP REPORT 2010 02 03 SHIZUOKA BANK GROUP REPORT 2010 SHIZUOKA BANK GROUP REPORT 2010 04 05 SHIZUOKA BANK GROUP REPORT 2010 06 SHIZUOKA BANK GROUP REPORT

More information

野村資本市場研究所|アジアの金融競争力(PDF)

野村資本市場研究所|アジアの金融競争力(PDF) 2013 Spring 1. GDP 3 26% 2. 3. 4. GDP 1 GDP 2000 25.4% 2012 10 IMF 1 GDP 28.7%GDP 10.7% 20.3% 2000 2012 10 2 3 2000 2012 4.2 5.4 2 2000 14% 2012 26% GDP 2012 30 10 32003 11 2013 Spring 100% 2 90% 80% 70%

More information

資金循環の日米欧比較

資金循環の日米欧比較 資 金 循 環 の 日 米 欧 比 較 2016 年 6 月 22 日 銀 行 調 査 統 計 局 * 本 資 料 では 日 米 欧 日 米 について 主 要 な 部 門 を 比 較 掲 載 しています Ⅰ. 日 米 欧 比 較 日 米 は2016 年 3 月 末 ユーロエリアは201 年 12 月 末 現 在 図 表 1 金 融 機 関 の 金 融 資 産 負 債 構 成 資 産 ( 3,236

More information

FINANCIAL FACT BOOK 2002 CONTENTS CONTENTS Sales Data Net Sales Sales Composition Sales by Region Profit Data Cost Composition & Operating Income/Net

FINANCIAL FACT BOOK 2002 CONTENTS CONTENTS Sales Data Net Sales Sales Composition Sales by Region Profit Data Cost Composition & Operating Income/Net FINANCIAL FACT BOOK 2002 FINANCIAL FACT BOOK 2002 CONTENTS CONTENTS Sales Data Net Sales Sales Composition Sales by Region Profit Data Cost Composition & Operating Income/Net Sales Gross Profit Margin

More information

社会関係資本と外国人に対する寛容さに関する研究―JGSS-2008 の分析から―

社会関係資本と外国人に対する寛容さに関する研究―JGSS-2008 の分析から― JGSS-2008 Social Capital and Tolerance toward Foreigners in Japan: Analysis of JGSS-2008 Emi OOKA School of Sociology Kwansei Gakuin University The goal of this paper is to explore how tolerance towards

More information

44 2012 2013 3 35 48 法人化後の国立大学の収入変動 37 法人化後の国立大学の収入変動 2009 2005 2010 2012 2012 2008 2009a 2010 16 18 17 20 2 4 2012 38 44 2012 17 22 (1) (2) 2012 5 GP COE 30 WPI 1 2012 17 22 16 17 22 17 17 19 2012 2012

More information

橡motonishi.PDF

橡motonishi.PDF 2000 3 ITME Discussion Paper No.26 850-8506 4-2-1 [email protected] 1 1 MRF 1 (2000) 2 MRF 2 Schreft (1997) 3 2 Tobin (1985) Friedman (1992) 3 3 4 5 3 4 5 2 White (1984) 1 4 (1996) (1999) (1999)

More information

,

, , The Big Change of Life Insurance Companies in Japan Hisayoshi TAKEDA Although the most important role of the life insurance system is to secure economic life of the insureds and their

More information

138 2 4 121 3 31 1 2 8 1 12 1. 2. 3. 4. 5. 6. 14 16 18 22 24 26 1. 2. 3. 4. 5. 28 Sumitomo Trust and Banking 138 1 Q 21 2 2,5 2, 1,5 1, 1,611 1,962 2,154 2,168 2,411 1,2 1, 8 6 4 968 1, 1,38 823 5 2 79

More information

商学 60周年記念号/24.内田浩徳

商学 60周年記念号/24.内田浩徳 SFAS 109 SFAS 96 1 2 net deductible amounts Richard 1 G. Schroeder, Myrtle W. Clark and Jack M. Cathey Financial Accounting Standards Board, Statement of Financial Accounting Standards No.96, Accounting

More information

野村資本市場研究所|ASEAN投資信託市場の現状と課題(PDF)

野村資本市場研究所|ASEAN投資信託市場の現状と課題(PDF) 213 Spring ASEAN 1. 2. 5.7 ASEAN 3. 3.3 4. 2.4 5. ASEAN 76 1 ASEAN 213 ASEAN 4 ASEAN ASEAN 2 1 1 1 1 1 OECD The Emerging Middle Class in Developing Countries January 21 2 Cerulli Associates Asset Management

More information

ISSN ISBN C3033 The Institute for Economic Studies Seijo University , Seijo, Setagaya Tokyo , Japan

ISSN ISBN C3033 The Institute for Economic Studies Seijo University , Seijo, Setagaya Tokyo , Japan ISSN 2187 4182 ISBN 978 4 907635 09 1 C3033 The Institute for Economic Studies Seijo University 6 1 20, Seijo, Setagaya Tokyo 157-8511, Japan ISSN 2187 4182 ISBN 978 4 907635 09 1 C3033 The Institute

More information

e? e? h? h? h? h? h? h? e??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee?? e??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??ee??

More information

CI&E b a CI&E CI&E CWalter C. Eells CI&E Civil Information and Education Section GHQ CIE CI&E 9 CIE 0 1 B A CI&E a C I E a a b a xix xx b b b b b b b b b c b http://www.mext.go.jp/b_menu/shingi

More information

untitled

untitled Trade and Trade Finance in the 200809 Financial Crisis, IMF Working Paper WP/11/16., Understanding the Great Trade Collapse of 200809 and the Subsequent Trade Recovery, Economic Perspectives, 2Q/2011.

More information

1 NGO 50 2 1992 45.3 2000 41.38 50 2 2000 1992 19 20 49 50 99 100 149 150 00 4.72 36.66 43.72 9.82 5.08 92 5.30 40.00 40.97 8.74 4.99 00 15.56 32.28 26.43 13.27 12.46 (92 11.31 30.40 36.85 12.64 8.80 2002

More information

, 3, 1999, 4,,

, 3, 1999, 4,, 1, 1992 2005,,, 10 2,, 1992 1998 1,,, 1998 2002 2,, 3,,, 2002, 2002 3 1 2 1 , 3, 1999, 4,, 3 14 11 2 I, 10,, 1992 2005, 2,, 3, 4,, II,, 1992 1998 1,, 1998 2002 2 2002 3 II-1: 1 1993 1998 90,, 1995 6850,,

More information

(1) (2) (3) (4) (1) (2) (3) (4) (5) (1) (2) (3) (4) (5) (1) (2) (3) (4) S&L (1) (2) (3) S&L (4) (5) (1) (2) (3) (4) (1) (2) 2 New York

(1) (2) (3) (4) (1) (2) (3) (4) (5) (1) (2) (3) (4) (5) (1) (2) (3) (4) S&L (1) (2) (3) S&L (4) (5) (1) (2) (3) (4) (1) (2) 2 New York S C B SHINKIN CENTRAL BANK 104-0031 3-8-1 TEL.03-3563-7541 FAX.03-3563-7551 http://www.scbri.jp/ FDIC New York 15-5 2004.2 (1) (2) (3) (4) (1) (2) (3) (4) (5) (1) (2) (3) (4) (5) (1) (2) (3) (4) S&L (1)

More information

大学論集第42号本文.indb

大学論集第42号本文.indb 42 2010 2011 3 279 295 COSO 281 COSO 1990 1 internal control 1 19962007, Internal Control Integrated Framework COSO COSO 282 42 2 2) the Committee of Sponsoring Organizations of the Treadway committee

More information

…“…C…Ydisclosure05(0902)

…“…C…Ydisclosure05(0902) 2005 1 1 3. 3. 4. 4. 5. 6. 7 2 9. 9. 5 9. 9. 11. 13. 13. 14 3 19. 19. 19. 20. 24. 25. 25. 26 17 2004 2003 3 1997 111 199 240 1 3 2005 . 3. 4. 4 1. 4 2. 4. 5 1. 5 2. 5 3. 5. 6 1. 6 2. 6 3. 6 1 6 2 6 3 6

More information

資金循環の日米欧比較

資金循環の日米欧比較 資金循環の日米欧比較 2018 年 8 月 14 日銀行調査統計局 * 本資料では 日 米 欧 日 米について 主要な部門を比較 掲載しています Ⅰ. 日米欧比較 データはいずれも 2018 年 3 月末現在 図表 1 金融機関の金融資産 負債構成 資産 ( 3,46 兆円 ) 負債 ( 3,30 兆円 ) 預金取扱機関 ( 1,939 兆円 ) 貸出 ( 1,903 兆円 ) 保険 年金基金 %

More information

Hills 00 ICI0 993 994 995 464,05 00 99,989 3 37,78 464 44,05 37,377 44 009 777,8 304,044 69 07,08 005 300,80 86,83 5,004 006 4,550 3,487 0,54 007 608,4 300,930 9 34,648 008 53,88 66,6 3 57,09 8,975 65,0

More information

OECD Benartzi and Thaler Brown et al. Mottla and Utkus Rooiji et al. Atkinson et al. MacFarland et al. Elton et al. Tang et al. Benartzi and Thaler Br

OECD Benartzi and Thaler Brown et al. Mottla and Utkus Rooiji et al. Atkinson et al. MacFarland et al. Elton et al. Tang et al. Benartzi and Thaler Br IFRS. OECD Benartzi and Thaler Brown et al. Mottla and Utkus Rooiji et al. Atkinson et al. MacFarland et al. Elton et al. Tang et al. Benartzi and Thaler Brown et al. /n Benartzi and Thaler n /n Benartzi

More information

デフレの定義(最新版).PDF

デフレの定義(最新版).PDF DP/01-1 Director General for Economic Assessment and Policy Analysis CABINET OFFICE E-mail : [email protected] 1 2 3 i (ii) 4 5 Deflation defined as at least two consecutive years of price decreases.

More information

物流からみた九州地方の地域的都市システムの変容

物流からみた九州地方の地域的都市システムの変容 Working Paper Series Vol. 2009-05 2009 2 Working Paper 14 10 13 18 194-0298 4342 E-mail [email protected] 1 Pred 1977 1985 1994 2001 Murayama 1982,1984 Friedmann 1986 1994 2001 1 2 1979 1984 1991 2005

More information

業績報告|ディスクロージャー│チューリッヒ|Business Report 2008 会社概要編

業績報告|ディスクロージャー│チューリッヒ|Business Report 2008 会社概要編 V ision Statement Contents 03 04 06 08 09 10 12 13 16 19 20 23 Greeting from Our CEO - Makoto Ozeki Zurich Insurance Company, Japan Branch Profile Zurich Financial Services Group Profile Financial Highlights

More information

アジアの資本移動の変化に関するクラスター分析 アジア域内の証券投資活性化に向けて

アジアの資本移動の変化に関するクラスター分析 アジア域内の証券投資活性化に向けて * ** 199 1 1996-97 relation * ** Seoul conference China and Emerging Asia: Reorganizing the Global Economy? held by KIEP and Seoul National University 26 5 11-12 Hugh Patrick Yung-Chul Park 26 9 9-1 East

More information

IMES DISCUSSION PAPER SERIES Discussion Paper No. 99-J- 9 -J-19 INSTITUTE FOR MONETARY AND ECONOMIC STUDIES BANK OF JAPAN

IMES DISCUSSION PAPER SERIES Discussion Paper No. 99-J- 9 -J-19 INSTITUTE FOR MONETARY AND ECONOMIC STUDIES BANK OF JAPAN IMES DISCUSSION PAPER SERIES Discussion Paper No. 99-J- 9 -J-19 INSTITUTE FOR MONETARY AND ECONOMIC STUDIES BANK OF JAPAN 100-8630 03 IMES Discussion Paper Series 99-J- 9 -J-19 1999 6 * * [1999] *(E-mail:

More information

ワークショップ「国際財務報告基準(IFRS)と企業行動:IFRSアドプションのインパクト」の模様

ワークショップ「国際財務報告基準(IFRS)と企業行動:IFRSアドプションのインパクト」の模様 IMES DISCUSSION PAPER SERIES IFRS IFRS Discussion Paper No. 2010-J-25 INSTITUTE FOR MONETARY AND ECONOMIC STUDIES BANK OF JAPAN 103-8660 2-1-1 http://www.imes.boj.or.jp IMES Discussion Paper Series 2010-J-25

More information

野村資本市場研究所|JOBS法の成立と米国IPO市場の今後の動向(PDF)

野村資本市場研究所|JOBS法の成立と米国IPO市場の今後の動向(PDF) JOBS IPO 1. IPO the Jumpstart Our Business Startups Act, JOBS 2012 4 5 JOBS IPO 2. Regulation 144A Emerging Growth CompaniesEGC 404(b) 3. EGC JOBS IPO JOBS 4. JOBS NASDAQ IPO JOBS JOBS IPO 125 2012 Autumn

More information

Financing through Stadium Securitization \ Case Study of Professional Football Clubs in England \ õ Yoshiaki IIDA * Abstract The purpose of this study was to clarify the way in which the stadium securitization

More information

CFC BEPS CFC BEPS

CFC BEPS CFC BEPS 26 27 KPMG 1... 2 1... 2 2... 3 2... 5 1... 5 1 CFC... 5 2... 11 3 BEPS... 25 2... 28 1 CFC... 28 2... 31 3 BEPS... 36 1 1 1 1 1 53 OECD BEPS 2 1 2 2 1. 2. 3. (a) (b) F (c) (a) (b) (c) BEPS 4. KPMG KPMG

More information

A message from Mr. Ben McCracken, Resident Director of Japan Center for Michigan Universities. News Letters Annual Meeting Activity report for the Year 2013 Other Activities Board Meetings MSU Alumni

More information

_16_.indd

_16_.indd well-being well-being well-being Cantril Ladder well-being well-being Cantril Self-Anchoring Striving Scale Cantril Ladder Ladder Ladder awellbeing well-being well-being Gallup World Poll World Database

More information

Powered by TCPDF ( Title 金利現実化措置以後の韓国における企業金融 : 年 Sub Title Korean corporate finance between 1965 and 1971 Author 李, 明輝 (Lee,

Powered by TCPDF (  Title 金利現実化措置以後の韓国における企業金融 : 年 Sub Title Korean corporate finance between 1965 and 1971 Author 李, 明輝 (Lee, Powered by TCPDF (www.tcpdf.org) Title 金利現実化措置以後の韓国における企業金融 : 1965 1971 年 Sub Title Korean corporate finance between 1965 and 1971 Author 李, 明輝 (Lee, Myunghwi) Publisher 慶應義塾経済学会 Publication year 2016

More information