アドゥバ ジョセフ ジュニア
ADUBA JOSEPH JUNIOR
ADUBA JOSEPH JUNIOR
所属 BKC社系研究機構
職名 上席研究員
言語種別 英語
発行・発表の年月 2021
形態種別 研究論文(学術雑誌)
査読 査読あり
標題 Impact of learning through credit and value creation on the efficiency of Japanese commercial banks.
執筆形態 共著
掲載誌名 Financial Innovation
掲載区分 国外
出版社・発行元 Springer
巻・号・頁 7(57)
総ページ数
担当範囲 Design, data analysis, results and discussion of the findings
担当区分 筆頭著者 , 最終著者 , 責任著者
著者・共著者 Aduba, Joseph Jr. and Izawa, Hiroshi
概要 This study investigates the learning curve of commercial banks regarding the efficiency of credit and value creation. However, current empirical methods for accessing the learning curve in organizations are not suitable for use in financial institutions. Considering bank-specific characteristics, we introduce a dynamic learning curve using a cost function adjusted to capture learning-by-doing in banks. Using the model, we test several hypotheses on the impact of bank intermediary experience (learning) on the efficiency of credit and value creation in Japanese commercial banks. The findings show that bank intermediary learning significantly improves the cost efficiency gain in the gross value created, total credit created, and investment. However, bank intermediary experience has no significant effect on the efficiency of the economic value created for all the banks analyzed. These findings have practical implications for evaluating cost dynamics in bank credit and value creation, risk management, lending to the real sector, and shareholder value creation.