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金利に対する考え方です。
先日、某中堅生保の社長のコメントで、「個人消費の基調は弱い。日銀の異次元金融緩和の長期化で利息収入が細ったことが響いている」との新聞コメントがあり、「世も末だな・・・」と思っていたら・・・
日経新聞社の「地域経済500調査」で「短期金利上昇望む」金融機関経営者がな、なんと49%・・・・!!
自殺行為・・・・・
冷静になって金利が上がる循環を考えてみましょう・・・
「現在の貸出金利でだせる資金以上の資金需要の発生」→「上昇させた貸出金利の提示」→「高い金利で借りても採算に合うという企業の判断で借入受諾」
経済成長が順調なときの金利が上がる流れはこんな感じです。
資金需要が旺盛ではないのに、日銀がむりやり金利を上げると・・・
「貸出金利が先に上昇」→「調達金利(預金金利)も多少のタイムラグで上昇」→「結局、収益さほど上がらず」
となるのみならず・・・・
「信金から貸出金利上げられて納得できなき優良企業が大手他行に相談」→「大手銀行は体力に任せ、低い金利を提示」→「優良企業の取引銀行が信金から大手銀行に」→「信金はじめ中小金融機関の貸出先はさえない企業ばかりに・・・」
この流れ・・・火を見るよりも明らか・・
それとも、もし中小金融機関経営者が、自分たちが早々に市場から退出することが、「世のため人のため」だとわかってのご発言だとしたら立派過ぎるが‥‥
働いている職員は怒るよね・・・・。
<ゴールドマンサックス元社員による事業再生・経営改善/合同会社ジダイグループ>
ジダイグループは東京・札幌を拠点に全国に出張し、経営改善アプローチを行っております。資金繰り改善・経営改善・事業再生に対応すべく、事業・財務分析に始まり、営業方針の策定・帯同営業等他にはないコンサルティングスタイルを展開しています。
詳しい情報は、こちらからご確認下さい。