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明海大学マクロ経済学：影山純二(学生用)
リスクの取り方(1)： 貸出金利
• 1億円を100万円ずつにわけ100社に貸出すことを考える
–銀行は経費などを回収するために最低限5% (500万円)のリターンが必要 –企業の種類(中小企業と大企業)によって、倒産する可能性が異なる 企業規模 倒産する可能性 貸出金利
中小企業 7% 約12% 大企業 0% 約5%
発生のメカニズムと自己資本への効果： 資産のうちの5が不良債権化し、自己資本で処理した場合
資産 負債,資本 貸出金95 預金90
自己資本5 自己資本比率= 5/95 =約5%
•不良債権処理の過程で自己資本比率が低下 → 損失を自己資本で穴埋できなければ倒産
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