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Asset Based Lending (ABL) in Japan : The Implications of Establishing Inventory and Accounts Receivable as Collateral
https://doi.org/10.18956/00006063
https://doi.org/10.18956/00006063cacc59e9-d2b5-47af-b958-0a62008509fc
| 名前 / ファイル | ライセンス | アクション |
|---|---|---|
r099_05.pdf (2.0 MB)
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| Item type | 本学紀要論文 / Departmental Bulletin Paper(1) | |||||||||||
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| 公開日 | 2016-09-05 | |||||||||||
| タイトル | ||||||||||||
| タイトル | Asset Based Lending (ABL) in Japan : The Implications of Establishing Inventory and Accounts Receivable as Collateral | |||||||||||
| 言語 | en | |||||||||||
| 言語 | ||||||||||||
| 言語 | eng | |||||||||||
| 作成者 |
金城, 亜紀
× 金城, 亜紀
WEKO
14934
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| 作成者所属(日) | ||||||||||||
| 言語 | ja | |||||||||||
| 値 | 関西外国語大学 | |||||||||||
| 作成者所属(英) | ||||||||||||
| 言語 | en | |||||||||||
| 値 | Kansai Gaidai University | |||||||||||
| 記事種別 | ||||||||||||
| 内容記述タイプ | Other | |||||||||||
| 内容記述 | 論文 | |||||||||||
| 言語 | ja | |||||||||||
| 記事種別 | ||||||||||||
| 内容記述タイプ | Other | |||||||||||
| 内容記述 | ARTICLE | |||||||||||
| 言語 | en | |||||||||||
| 抄録 | ||||||||||||
| 内容記述タイプ | Abstract | |||||||||||
| 内容記述 | Asset Based Lending (ABL) is a lending technology that uses business assets, such asinventory and accounts receivable, to secure a loan. ABL is an established form of lending in the US, but was only recently introduced to Japan. Like all secured lenders, ABL lenders have the right to repossess and liquidate collateral. I argue that when business assets such as inventory and accounts receivable become collateral there is an additional role. This paper demonstrates through a case study that ABL increasesthe frequency of contact between lenders and borrowers. Because of this frequent contactwith the borrower prior to and after the loan is made, ABL facilitates the lender in generating information about the creditworthiness of the borrower. Furthermore, because the value of the collateral used in ABL is directly linked with the business of the borrower, properly monitoring the collateral helps the lender manage the credit risk. This is why ABL is an important lending technology for Japanese banks. This paper articulates the unique characteristics of ABL and the implications they have for Japan's lending market by (1) discussing the role of collateral by reviewing related literature, (2)presenting a case study conducted with a Japanese regional bank, (3) comparing how regulators treat ABL in Japan and the US, and (4) concluding with policy recommendations to furtherpromote ABL. | |||||||||||
| 言語 | en | |||||||||||
| キーワード | ||||||||||||
| 言語 | en | |||||||||||
| 主題Scheme | Other | |||||||||||
| 主題 | Asset Based Lending | |||||||||||
| キーワード | ||||||||||||
| 言語 | en | |||||||||||
| 主題Scheme | Other | |||||||||||
| 主題 | ABL | |||||||||||
| キーワード | ||||||||||||
| 言語 | en | |||||||||||
| 主題Scheme | Other | |||||||||||
| 主題 | collateral | |||||||||||
| キーワード | ||||||||||||
| 言語 | en | |||||||||||
| 主題Scheme | Other | |||||||||||
| 主題 | inventory | |||||||||||
| キーワード | ||||||||||||
| 言語 | en | |||||||||||
| 主題Scheme | Other | |||||||||||
| 主題 | accounts receivable | |||||||||||
| 書誌情報 |
ja : 研究論集 en : Journal of Inquiry and Research 巻 99, p. 71-86, 発行日 2014-03 |
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| 出版者 | ||||||||||||
| 出版者 | 関西外国語大学・関西外国語大学短期大学部 | |||||||||||
| 言語 | ja | |||||||||||
| 出版者 | ||||||||||||
| 出版者 | Kansai Gaidai University | |||||||||||
| 言語 | en | |||||||||||
| ISSN | ||||||||||||
| 収録物識別子タイプ | PISSN | |||||||||||
| 収録物識別子 | 0388-1067 | |||||||||||
| NCID | ||||||||||||
| 収録物識別子タイプ | NCID | |||||||||||
| 収録物識別子 | AN00046756 | |||||||||||
| 資源タイプ | ||||||||||||
| 資源タイプ識別子 | http://purl.org/coar/resource_type/c_6501 | |||||||||||
| 資源タイプ | departmental bulletin paper | |||||||||||
| アクセス権 | ||||||||||||
| アクセス権 | open access | |||||||||||
| アクセス権URI | http://purl.org/coar/access_right/c_abf2 | |||||||||||
| 論文のバージョン | ||||||||||||
| 出版タイプ | VoR | |||||||||||
| 出版タイプResource | http://purl.org/coar/version/c_970fb48d4fbd8a85 | |||||||||||
| ID登録 | ||||||||||||
| ID登録 | 10.18956/00006063 | |||||||||||
| ID登録タイプ | JaLC | |||||||||||
| 表示順 | ||||||||||||
| 値 | 5 | |||||||||||
