{"_buckets": {"deposit": "7df19d7a-2fc2-4d1f-a984-b840993c2b9a"}, "_deposit": {"id": "2648", "owners": [], "pid": {"revision_id": 0, "type": "depid", "value": "2648"}, "status": "published"}, "_oai": {"id": "oai:soar-ir.repo.nii.ac.jp:00002648", "sets": []}, "author_link": ["4192"], "item_10_biblio_info_6": {"attribute_name": "書誌情報", "attribute_value_mlt": [{"bibliographicIssueDates": {"bibliographicIssueDate": "2011-03-31", "bibliographicIssueDateType": "Issued"}, "bibliographicPageEnd": "20", "bibliographicPageStart": "1", "bibliographicVolumeNumber": "62", "bibliographic_titles": [{"bibliographic_title": "信州大学経済学論集"}]}]}, "item_10_description_20": {"attribute_name": "抄録", "attribute_value_mlt": [{"subitem_description": "本稿では，地域銀行が利潤を最大化すべく限界原理に基づき貸出業務を行い，貸出金利回りを決めているという基本モデルを定式化した。基本モデルでは，資金調達利回り・営業経費率・余資運用利回りに加え，一般貸倒引当率などの指標に代表される信用リスクを考慮して貸出金利回りを決めていることを示した。また，この基本モデルを用い，2008年３月期のデータに基づき実証分析を行った。また，貸出業務により利益率を確保する水準として，貸出金利回りから資金調達利回り・営業経費率を差し引き，さらには予想損失率である一般貸倒引当率を控除した「信用リスク調整後の貸出金・資金調達利ざや」を算出した上で，この利ざやがプラスになる条件として一般貸倒引当率や貸出姿勢を示す資金運用・貸出金比率が重要な要素であることを示した。", "subitem_description_type": "Abstract"}]}, "item_10_description_30": {"attribute_name": "資源タイプ（コンテンツの種類）", "attribute_value_mlt": [{"subitem_description": "Article", "subitem_description_type": "Other"}]}, "item_10_description_31": {"attribute_name": "フォーマット：mimeタイプ", "attribute_value_mlt": [{"subitem_description": "application/pdf", "subitem_description_type": "Other"}]}, "item_10_description_5": {"attribute_name": "引用", "attribute_value_mlt": [{"subitem_description": "信州大学経済学論集 62: 1-20(2011)", "subitem_description_type": "Other"}]}, "item_10_publisher_4": {"attribute_name": "出版者", "attribute_value_mlt": [{"subitem_publisher": "信州大学経済学部"}]}, 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