紀要論文

ミャンマー銀行セクターの構造と変容への萌芽：銀行セクター調査（2013-14）から

Transformation in the Banking Sector in Myanmar : From a Banking Sector Survey of 2013-14

jpn

00229741

https://doi.org/10.15002/00014910

法政大学経済学部学会

85

4

511

550

2018-03-23

Version of Record

　Based on a specially designed survey in 2013-14, the paper investigates changes in the banking sector in Myanmar since 2011. The paper confirms the continuing and large presence of the state banks, particularly of the Myanmar Economic Bank (MEB), and that the MEB has the potential to function as a standard commercial bank even when burdened by the costs of various policy-based finance programs. 　Our analysis also reveals that very diverse private banks can be classified into (1) typical private banks owned by groups of traders or tycoons, and (2) banks that were originally established by government sections, some of which are now aggressively transforming themselves into regular commercial banks, while others are strengthening their role as policy-based banks. 　Simple financial analysis on eight banks shows that the profit levels of large or rapidly growing private banks are not very high, while those of the smaller banks practicing policy-based lending are rather higher. This reflects a difference in operating costs, which may suggest that the banks undergoing aggressive expansion are in the process of expending sunken costs, while there is plenty of credit demand in the financial inclusion area.

Article

AN00071028