Japan: Financial Sector Assessment Program-Technical Note-Long-Term Challenges for Financial Intermediation

September 18, 2017

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Japan: Financial Sector Assessment Program-Technical Note-Long-Term Challenges for Financial Intermediation, (USA: International Monetary Fund, 2017) accessed September 19, 2024

Summary

This Technical Note analyzes and quantifies the effect of aging in Japan—both at the national and regional levels—on the nature of financial intermediation. Mounting demographic headwinds constitute a major challenge for regional financial institutions in Japan. According to prefectural population projections and econometric estimates, the impact from demographic headwinds is likely to intensify significantly over the next two decades. Financial sector policies should aim to address the constraints to financial access by further promoting risk-based lending and asset-based lending. Banks should continue to be encouraged to build capacity for risk assessment to do more risk-based lending.

Subject: Aging, Banking, Credit, Financial institutions, Loans, Money, Population and demographics, Population growth

Keywords: Accounts receivable, Aging, Asset-based lending, Bank finance, CR, Credit, Credit risk, Deposit growth, Financial system, Global, ISCR, Loan growth, Loan-deposit ratio, Loans, Population growth, Regional bank, SME loan, Venture capital

Publication Details

Pages:

57
Volume:

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DOI:

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Issue:

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Series:

Country Report No. 2017/283
Stock No:

1JPNEA2017006
ISBN:

9781484319741
ISSN:

1934-7685

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