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Gaping

机译：张开

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摘要

The case of Ishikawa Bank, a small regional bank, illustrates Japanese bank reform in practice. So far, Ishikawa's collapse last December has spawned one petition, seven lawsuits and a police investigation, while five reluctant banks are preparing to carve up and take over the failed bank. The petition (to the government) and lawsuits (against the bank) have been filed by angry investors who provided the bank with up to ￥22 billion ($175m) of equity eight months before the bank's collapse. When Ishikawa closed its books for the half-year ending September 2000, it reported a capital-adequacy ratio of 6%, far above the 4% required for domestically licensed banks. When the Financial Services Agency (FSA) inspected the same accounts some months later it found a capital shortfall instead. To avoid being shut down, Ishikawa hurriedly raised ￥22 billion in March and April 2001. This put it back over the 4% threshold before the agency's five-month inspection was completed in May. A second inspection, just months later, found more large holes, and led to the bank's collapse.
机译：小型地区性银行石川银行的案例说明了日本银行业改革的实践。到目前为止，石川县去年12月倒闭已经催生了一份请愿书，七起诉讼和一项警方调查，而五家不愿提供服务的银行正准备分拆并接管这家倒闭的银行。愤怒的投资者向政府提交了请愿书（针对银行）和诉讼（针对银行），他们在银行倒闭前八个月向银行提供了高达220亿日元（1.75亿美元）的股权。石川公司在截至2000年9月的半年期结束账簿时，报告的资本充足率为6％，远高于国内持牌银行所要求的4％。几个月后，当金融服务局（FSA）检查相同的帐户时，它发现资金短缺。为了避免倒闭，石川急于在2001年3月和4月筹集了220亿日元。在5月份完成对机构的为期5个月的检查之前，这使其超过了4％的门槛。几个月后，第二次检查发现了更多的大洞，并导致该银行倒闭。

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