Corporate Strategy and Organizational Design for Financial Services Industry : Development of Database and International Comparisons.

金融服务业的企业战略和组织设计：数据库开发和国际比较。

基本信息

批准号：
15530273
负责人：
SAKANO Tomoaki
金额：
$ 2.11万
依托单位：
Waseda University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2003
资助国家：
日本
起止时间：
2003 至 2005
项目状态：
已结题

项目摘要

A longitudinal database of strategic and organizational changes for Japanese retail financial services companies was created during the period of 1945 and 2004. The database consists of publicly available accounts published in newspaper, magazines, and annual reports. Fine-grained text analysis was used to uncover the key characteristics of the change actions, such as type of change, location of change within the organization, outcomes, and espoused goals and rationales. In addition, measures of strategy types, strategic intent and organizational structure were captured.Based on the database, several empirical studies were performed. First, analysis using the U.S. database showed that expansion of regulation in sub-prime lending lead to the unintended result of reducing the flow of home equity credit to lower income and higher risk borrowers. Second, several factors which had impaired development of European consumer credit markets were found : strict regulation, risk-avoidance by financial institutions, and cultural and religious backgrounds. Among them the strongest impediment was the underdevelopment of credit bureaus. Third, two types of strategic changes by Japanese financial services companies were found in Asian countries : exploitation and exploration. We found exploitation more frequently than exploration in Hong Kong, South Korea and Taiwan. Forth, empirical analyses were performed on causes of personal bankruptcy in Japan. Life event such as reduced income was the strongest predictor for personal bankruptcy. Finally, two potential motives for Japanese financial services companies to expand abroad were found : They could seek resources, such as a capital, or they could pursue additional opportunities such as selling to their traditional customer segment in new markets or even to new segments in those new markets.

在1945年和2004年期间创建了一个为日本零售金融服务公司进行战略和组织变更的纵向数据库。该数据库由报纸，杂志和年度报告发布的公开帐户组成。细颗粒的文本分析用于揭示变更动作的关键特征，例如变更类型，组织内部的变化位置，结果以及倡导的目标和理由。此外，捕获了策略类型，战略意图和组织结构的衡量标准。在数据库上，进行了几项经验研究。首先，使用美国数据库进行分析表明，次级贷款中监管的扩大导致了将房屋净值信贷流动减少到较低收入和较高风险借款人的意外结果。其次，发现了欧洲消费信贷市场发展的几个因素：严格的监管，金融机构的风险避免风险以及文化和宗教背景。其中最强的障碍是信贷局的不发达。第三，在亚洲国家发现了日本金融服务公司的两种战略变化：剥削和勘探。我们发现剥削比香港，韩国和台湾的探索更频繁。 Forth，对日本个人破产的原因进行了经验分析。诸如减少收入之类的人生事件是个人破产的最强预测指标。最后，发现日本金融服务公司在国外扩展的两个潜在动机：他们可以寻求资源，例如资本，或者可以寻求其他机会，例如向他们在新市场中的传统客户群出售，甚至向这些新市场的新细分市场出售。