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i < >,, Probit, (10 T-Bond - 3 T-Bill ) 197311~19753 19801~19807 4 60%, 19817~198211 8 64% 196912~197011 19907~19913 50%, (5-1 )

ii 19922~19931 19968~19986 9 57%, 67% 19881~19897 9 41% 20007~12, 200012 9 48%,, 1 3 5 10 3 14% 3 9 24% 4 9 8% (3 - ) (BBB- - AA- ), 9 2 (3 - ) 20009 3% 2 3 (BBB- - AA- ) 9 2%

iii 2000, 20012 5% 2 (3 - ), (BBB- - AA- ) 2 (3 - )5 14% (BBB - - AA- )2 5% 5 47%, 3, 10,

< > < > I 1 II 2 1 2 2 11 III 13 1 13 2 20 IV 28 < >31

< > <II -1>, 6 <III -1> Probit 14 <III -2> Probit 21 < III -1> < III -2> < III -3> < III -4> < III -5> < III -6> < III -7> < III -8> < III -9> 14 16 17 18 19 19 21 22 24 < III -10> 26 < III -11> 27

1 I,,,, 98,

II 1, (Yield Curve) 1 (Term Structure) (Expectation Hypothesis),,, 2 0 (Liquidity Premium Hypothesis), 1,, X Y 2, 1 6% 1 1 6% 2 6% 1 1 7% 2 65% 2

(Term Premium) (flat), (inverted),,,,, Bernard and Gerlach(1996) 3, 3 Bernard, Henri and Stefan Gerlach, Does the Term Structure Predict Recessions? The International Evidence, Working Paper, BIS, September 1996 3

,,, HarveyIntertemporal Capital Asset Pricing Model 4, 4 Harvey, Campbell R, The Term Structure and World Economic Growth, The Journal of Fixed Income, June 1991 Harvey, Campbell R, Term Structure Forecasts Economic Growth, Financial Analysts Journal, May/June, 1993 4

5 (insurance), ( hedging),,,, (flat) (inverted), <II -1> 4,,,,,

<II -1>, - - -, -, - -, -, - - - - - - -, -, - -, - - -, 6

7,,,,,,,

,, Stock and Watson(1989) 8 55 7, (10T-Bond - 1T-Bill ), GDP GDP GDP, GDP, GDP Harvey(1989, 1993), Harvey(1991a), Harvey(1991b), Clinton(1994), Cozier and Tkacz(1994)Harvey(1997) Harvey(1997)

, Hamilton and Kim(2000) (Term Premium) 5 2 GDP Probit, 1, 0 Probit Probit Estrella and Hardouvelis(1991), Estrella and Mishkin(1995), Estrella and Mishkin(1996), Dueker(1997) Estrella and Mishkin Estrella and Mishkin(1995), Bernard and Gerlach(1996), 8 Atta-mensah and Tkacz(1998) Probit Hirata and Ueda(1998) 5 ( ) (, ) 9

10 Probit, GDP Probit, ( ) (10T-Bond - 3 T-bill ) 1 80 90 Haubrich and Dombrosky(1996) (10T-Bond - 3 T-Bill )4 GDP, 80, Dotsey(1998) 4, 1985~1995, 19903/4, 1957 3/4, 19602/4 1967,

50%,, 2, (3 CP - 3 Treasury Bill ), 80 80 6 Bernanke(1990), CP (CP - Treasury Bill ) ( - (CP - Treasury Bill ) (CP - Treasury Bill ) 6 Bernanke(1990), Friedman and Kuttner(1991), Gertler and Lown(2000) 11

1960~70 CP 12 CP MMF 1980 (CP - Treasury Bill ) CD,, RP, CD CD CD CP CP CP (CP - Treasury Bill ) CD Friedman and Kuttner(1991) (CP - Treasury Bill ), Friedman and Kuttner(1991)(CP -Treasury Bill ) CP CP 80,, (CP - Treasury Bill )

III 1 (1) ( =1, =0) Probit R t = a 0 + a 1 X t-k + e t R t = 1( ) 0( ), X t-k : k P(R t = 1) = F(a 0 + a 1 X t-k ) P, F 19651~200014, (10T-Bond - 3 T-Bill ), NBER 1, 9 9 Pseudo-R 2, 9 13

Pseudo-R 2 7 <III -1> Probit k=3 k=6 k=9 k=12 a 0-063 -051-045 -048 a 1-044 -065-076 -071 Pseudo R 2 012 021 026 023 : 1( ), 0( ), (10-3 ) k Pseudo R 2 =1-(logL u/logl c) -(2/n)logLc, logl u (Log Likelyhood), LogL c Estrella and Mishkin(1997) Probit < III-1>, < III -1> ( ) 10 08 06 50% 04 02 00 1965 1970 1975 1980 1985 1990 1995 2000 : 9 20008~20014 20015~20021 9, 3~9 50% 7 Pseudo-R 2 Probit Logit Estrella(1995) 14

197311~19753 19801~19807 4 60%, 19817~198211 8 64% 196912~197011 50%, 19907~19913 50% 90 ( ) < III-2> Probit 197311~19753, 19801~19807, 19817~198211, 196912~197011 19907~19913 0,,, 8 8 (LG,, 20013 ),, Probit, 15

(%) 20 15 10 < III -2> GDP ( ) 5 0-5 -10 10-3 1965 1970 1975 1980 1985 1990 1995 2000 : 3 GDP : FRB, 50%, (2) Probit 19721~20014 (3 CP - 3 Treasury Bill ) (Moody s Baa - Aaa ) (Moody s Baa - Aaa ) (3 CP - 3 Treasury Bill ) 16

2 (3 CP - Treasury Bill ) Pseudo R 2, < III -3> 1980 1990 197311~19753 19801~19807 3 60%, 56%, 19817~198211 8 50% 19907~19913 < III -3> ( ) 10 08 06 50% 04 02 00 1975 1980 1985 1990 1995 2000 : 2 20013~20014 20015~20016 Probit, 17

(3) 20018~12 20007~12, 200012 9 (20019) 48% ( < III -1> ) < III -4> (%) 7 20007 200012 6 10 5 4 3 3 20001 20007 20011 20014 : FRB, 18 1 1, 320, 419 2%, 3 5 10 3 14% 3 9 24%

4 9 8% (flat) (inverted), (steep) < III -5> (%p) 20 15 10 20011 20014 ( Baa - Aaa ) 05 00-05 -10 (10-3 ) -15 20001 20007 20011 20014 : FRB < III -6> (%) 70 65 60 20008 20004 55 50 45 40 20012 20013 20014 200012 361 2 3 5 7 10 20 30( ) : FRB 19

2 (1) 9811 3, 5, 5 1 9 198710 ~20014 9 9 (1997) (5-1 )(5-1 ), (3 - ) 20

Pseudo R 2 9 <III -2> Probit k=3 k=6 k=9 k=12 a 0-088 -093-113 -105 a 1-060 -065-088 -078 Pseudo R 2 009 009 014 012 : 1( ), 0( ), (5-1 ) k Pseudo R 2 =1-(logL u/logl c) -(2/n)logLc, logl u (Log Likelyhood), LogL c 9 < III-7>,, 19922~19931 9 57%, 19968~19986 9 67% 19881~19897 9 41% < III -7> ( ) 10 08 06 50% 04 02 00 1989 1991 1993 1995 1997 1999 2001 : 9 20008~20014 20015~20021 21

9 50% (5-1 ) 1997 5 1 (-), 1997 (+) 10 < III -8> (, %p) 4 (, %) 40 2 GDP ( ) 20 0 0-2 -20-4 1988 1990 1995 2000-40 : 3 GDP (5-1 ) : 10 1993 11 2, 22

, < III-8> 1997 (-), 1998 1999 (+),, (2) (3-5 ) Probit (3 - ) (3 BBB- - AA- ),, Probit Probit Pseudo R 2 1 Pseudo R 2 23

< III -9>, 19922~19931 19911~199111 50% 19881~19897 50% 19968~19986 19961 50% 50% Probit < III -9> ( ) 10 08 06 50% 04 02 00 1987 1990 1995 2000 : 1 (3) (< III -7>, < III -9> ) (5-1 ) 10%, 24

(3-5 ) 20~30% (5-1 ) 1997 (5-1 ) (5-1 )1997 (-) 1998 (+), (5-1 ) 1997 3 (3 - ) (3-5 ), (BBB- - AA- ) (3 - ) (BBB- - AA- ), 9 2 (3 - ) 20009 3% 2 3, 9, 25

(BBB- - AA- ) 9 2% 2000, 20012 5% 2 (3 - ), (BBB- - AA- ) 2 (3 - )5 14%, 1 2, 3 < III -10> (%) 6 20009 20011 4 2 0 BBB- - AA- - -2 20001 20007 20011 20014 :, BondWeb 26

(BBB- - AA- )2 5% 5 47% BBB- AA- 3, < III -11> (%) 100 80 60 1 3 20012 20014 40 20 00 20001 20007 20011 20014 :, BondWeb 27

28 IV 80 90,, 20008~12, 200012 9 48%,, 1 3 5 10 3 14%

3 9 24% 4 9 8% (3 - ) (BBB- - AA- ), 9 2 (3 - ) 20009 3% 2 3 (BBB- - AA- ) 9 2% 2000, 20012 5% 2 (3 - ), (BBB- - AA- ) 2 (3 - )5 14% (BBB- - AA- )2 5% 5 47%, 29

30, 3, 10,

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