Title Author(s) Citation Kobe University Repository : Kernel なぜ 地 域 金 融 機 関 は 地 域 貢 献 活 動 を 行 うのか(What is Regional Bank? What are the Goals of Regional Bank?) 滝 川, 好 夫 Issue date 2004 Resource Type Resource Version URL 神 戸 大 學 經 濟 學 研 究 年 報 = The annuals of economic studies,51:1-16 Departmental Bulletin Paper / 紀 要 論 文 publisher http://www.lib.kobe-u.ac.jp/handle_kernel/00422425 Create Date: 2016-10-08
J.M. p.81 CSR Corporate Social Responsibility2 1 2 1 4 1
2 51 2 5 1 2004 bank in region or community bank with 2
3 region or community bank for region or community bank of region or community4 territory 1978 2 3 3 3 1978 regioncommunity bank in regionbank with regionbank for regionbank of regionbank in communitybank with communitybank for communitybank of community 4 3 4 5 3 4community 1973community p.411990community region super-region 1978 5
4 51 3
5 1990 nation international national region regional 5 / /1 3 1 2004
6 51 1973 p.99 6 2R M 2A B R MA B L A L B 2A,B 619782003 1978 p.182
7 π M Uπ R L A R /(L A R L B R ) k{d 0 f(l A ) g(l B )} CL (L A L B ) D 0 f(l A ) g(l B ) k D 0 f(l A ),g(l B ) CL L A,L B 0 f(l A ),g(l B ) 0 f'(l A ),g'(l B ) 1 k{d 0 f(l A ) g(l B )} CL (i A L,i B L ) (i CL ) (i D ) (1) M M Max π M i CL CL M i L A L M A i L B L M B i D {D M0 f(l M A ) g(l M B )} C M A (L M A ) C M B (L M B ) 1 s.t. k{d M0 f(l M A ) g(l M B )} CL M (L M A L M B ) D M0 f(l M A ) g(l M B ) 2 i D M π M / L MA i CL (1 k)f'(l MA ) i CL i LA C MA '(L MA ) 0 π M / L MB i CL (1 k)g'(l MB ) i CL i LB C MB '(L MB ) 0 3 4 MA B C A M ' i A L f'(l A M ) M
8 51 A (2) R R Max U U(π R,L R A /(L R A L R B )) 5 s.t. k{d R0 f(l R A ) g(l R B )} CL R (L R A L R B ) D R0 f(l R A ) g(l R B ) 6 π R i CL CL R i L A L R A i L B L R B i D {D R0 f(l R A ) g(l R B )} C R A (L R A ) C R B (L R B ) 7 i D R U/ L R A ( U/ π R )( π R / L R A ) ( U/ X)( X/ L R A ) ( U/ π R ){i CL (1 k)f'(l R A ) i CL i L A C R A '(L R A )} ( U/ X){L R B /(L R A L R B ) 2 } 0 8 U/ L R B ( U/ π R )( π R / L R B ) ( U/ X)( X/ L R B ) ( U/ π R ){i CL (1 k)g'(l R B ) i CL i L B C R B '(L R B )} ( U/ X){ L R A /(L R A L R B ) 2 } 0 9 X L A R /(L A R L B R ) (8),(9)2L A R **,L B R ** ( U/ X)( X/ L A R ) 0( U/ π R )( π R / L A R ) 0 {i CL (1 k)f'(l A R **) i CL i A L C A R '(L A R **)} 0 R{i CL (1 k)f'(l A R ) i CL i A L C A R '(L A R )} 0 L RA *L RA **A ( U/ X)( X/ L RA ) 0( U/ π R )( π R / L RB ) 0 {i CL (1 k)g'(l RB **) i CL i LB C RB '(L RB **)} 0 R{i CL (1 k)g'(l B R ) i CL i B L C B R '(L B R )} 0 L B R *L B R ** B π R L A R /(L A R L B R )π R 1
9 {i CL (1 k)f'(l R A *) i CL i L A C R A '(L R A *)} 0 {i CL (1 k)g'(l R B *) i CL i L B C R B '(L R B *)} 0 L A R **L A* R L B R **L B* R RB A C A M ' i A L f'(l A R ) 2004 1 1 RB i A L C A M ' 2R M π M Uπ R N R
10 51 kd 0 CL L D 0 k D 0 CLL 0kD 0 CL i L i CL i D R C RN (1) M M Max π M i CL CL M i L L M i D D M0 C M (L M ) s.t. kd M0 CL M L M D M0 10 11 dπ M /dl M i L i CL C M '(L M ) 0 12 C M '(L M *) i L i CL 13 (2) R R Max U U(π R,N R ) s.t. kd R0 CL R L R D R0 π R i CL CL R i L L R i D D R0 C RL (L R ) C RN (N R ) 14 15 16
11 C RL (L R ) C RN (N R ) U/ L R ( U/ π R )( π R / L R ) ( U/ N R )( N R / L R ) ( U/ π R ){i L i CL C RL '(L R )} 0 17 U/ N R ( U/ π R )( π R / N R ) ( U/ N R )( N R / N R ) ( U/ π R ){ C RN '(N R )} ( U/ N R ) 0 18 (17),(18)2 C RL '(L R **) i L i CL C RN '(N R **) ( U/ N R )/( U/ π R ) 19 20 L R **i L i CL N R ** 1978 p.139
12 51 7 R kd R CL R L R D R k D R CL R L R kd R D D 0 (1 x) x α 1/2 (1 α)1/2 α CL R 0(1 α) CL R 0 (i L )(i CL )(i D 0) π R1 i CL CL R i L L R C RL (L R ) C RN (N R ) CL R 0 π R2 { a (i CL b)cl R } i L L R C RL (L R ) C RN (N R ) CL R 0 C RL C RN N R C RL ' 0 C RL " 0 C RN ' 0 C RN " 0 x 1/2α CL R 0 α α(n R ) α'(n R ) 0 CL R 0 7
13 1 (i L i CL ) Max Π R α(n R )π R1 {1 α(n R )}π R2 s.t. π R1 i CL CL R i L L R C RL (L R ) C RN (N R ) CL R 0 π R2 { a (i CL b)cl R } i L L R C RL (L R ) C RN (N R ) CL R 0 kd 0 (1 x) CL R L R D 0 (1 x) 21 22 23 24 1 Π R / L R {i L (i CL b)} α(n R )b C RL '(L R ) 0 25 Π R / N R α'(n R )i CL D 0 (1 1/2)(1 k) α'(n R )(i CL b)d 0 (1 1/2)(1 k) α'(n R )a α'(n R )bl R C RN '(N R ) 0 26 2L R,N R α α(n R ) βn R C RL C RL (L R ) L R 2 C RN C RN (N R ) N R 2 L R,N R L R *,N R * L R * 2[{i L (i CL b)}/(4 b 2 β 2 )] [bβ 2 D 0 (1 k){i CL (1/2)b}/(4 b 2 β 2 )] {(abβ 2 )/(4 b 2 β 2 )} N R * 4[{i L (i CL b)}/{(4 b 2 β 2 )(bβ)}] [{i L (i CL b)}/(bβ)] 27 2[βD 0 (1 k){i CL (1/2)b}/(4 b 2 β 2 )] {(2aβ)/(4 b 2 β 2 )} 28 L R */ β 0 N R */ β 0 29 30 β dα/dn R L R * N R *
14 51 8 β dα/dn R L R * N R * Keynes, J.M.(1972), Essays in Persuasion: The Collected Writings of John Maynard Keynes Vol., The Macmillan Press 19819 197822 1973 1978 2003 18pp.51-77 2004a Discussion Paper No.0417, September 2004 2004b 2004 10 82610 24
15 1990 1990 1990 7 1978 197823 1975 17 pp.96-113 197812
16 51 WHAT IS REGIONAL BANK? WHAT ARE THE GOALS OF REGIONAL BANK? YOSHIO TAKIGAWA We define Regional Bank based on three measures inner-regional lending rate, innerregional branch rate, inner-regional reflux rate. We recognize that profit is the best sanction mechanism for private corporate companies to perform Corporate Economic Responsibility. In this paper, we insist that Corporate Social Responsibility is one of the sanction mechanisms for supplementing free market mechanism. We make our original model to analyze What is Corporate Social Responsibility of Regional Bank? In section 6-1, we assume that Mega bank maximizes profit, and Regional bank maximizes utility which depend on not only profit but also inner-regional lending rate. We assume that Mega bank bears lending cost, and Regional bank bears not only lending cost but also Corporate Social Responsibility Cost. In section 6-2, we assume that probability of loan-position depends on Corporate Social Responsibility Activity.