協同組織金融機関の金融機能が及ぼす地域経済・社会的影響に関する一考察

奈良県3信用金庫の預貸業務による「地域内再投資力」の組織化を中心に

抄録

In this study, we explore how cooperative financial institutions have contributed to revitalizing the regional economy and its sustainable development, focusing on a case study of three shinkin banks in Nara prefecture, Japan. Through our interview survey, we identified factors that cause climate change in financial market of Nara and called attention to the extraordinary endeavors of cooperative financial institutions, which make it possible to raise both loan share and deposit share in Nara’s financial market. In the aspect of contribution to the regional economy, an increase in deposit share in Nara’s three shinkin banks has directly contributed to intra-area funds flows. Especially, lending patterns that are irrelevant to the economy have constantly led to the intra-regional reinvestment through stable supply of funds. Moreover, as of 2009, an amount of loans as well as the number of loans has been on the increase (or recovering) in the regional economy where there has been a decrease in the number of private enterprises in all sectors. At the very least, it can be inferred that loan and deposit operations of ‘Nara Shinkin Bank’ and that of ‘Yamato Shinkin Bank’ are closely connected with Nara’s regional economy and have played a prominent role in sustainable development of its economy and society.