Impact of learning through credit and value creation on the efficiency of Japanese commercial banks

Abstract This study investigates the learning curve of commercial banks regarding efficiency credit and value creation. However, current empirical methods for accessing in organizations are not suitable use financial institutions. Considering bank-specific characteristics, we introduce a dynamic using cost function adjusted to capture learning-by-doing banks. Using model, test several hypotheses on impact bank intermediary experience (learning) creation Japanese The findings show that significantly improves gain gross created, total investment. has no significant effect economic created all analyzed. These have practical implications evaluating dynamics creation, risk management, lending real sector, shareholder