In Germany, which initiated financial deregulation ahead of other countries under the universal bank system, each banking group since the late 1980s has been developing rating methods, which have become a model for internal ratings-based approaches in the Basel II Capital Accord. This paper targets Germany and seeks to develop a financial regulation theory that grasps the capital adequacy regulations and relationship banking as basic financial administration policies that complement each other. ※前掲英訳論文※共著者： 山村延郎※第2、3、4章を中心に執筆
