This report examines the Financial Services Agency's measures to strengthen the financial intermediation function of regional financial institutions.
Main Points
1. Progress in Business Evaluation Financing
- Implementation rate: 78% of regional financial institutions (up 5 percentage points year-on-year)
- Loan balance: 45 trillion yen (25% of SME financing)
- Shift from financial data emphasis: Utilizing non-financial information
- Success cases: Business succession, business transformation support
2. Financing Without Management Guarantees
- New loans: 42.8% without guarantees (government target 50%)
- Existing loans: 150,000 guarantee releases (30% year-on-year growth)
- Alternative means: Business evaluation, ABL, intellectual property collateral
- Challenge: Improving credit risk assessment capabilities
3. Utilization of Business Value Security Rights
- System start: Implemented in April 2024
- Utilization record: 150 cases, 80 billion yen in loans
- Target companies: Startups, business reorganization
- Dissemination challenges: Evaluation technology, practical system construction
4. Regional Problem-Solving Measures
- Regional revitalization: 35 banks participating in PPP/PFI
- Decarbonization: 3.5 trillion yen in green loan balance
- DX support: Cooperation with IT implementation subsidies
- Talent matching: 12,000 successful matches
5. Sustainable Business Model
- Revenue structure: Target 25% non-interest income ratio
- Efficiency: Branch consolidation, digitalization
- Cooperation/Integration: New forms like SBI Alliance
- Human resource development: Enhancing expertise, utilizing external talent
The article evaluates that regional financial institutions are transitioning from mere fund suppliers to regional economic coordinators, and while transformation is still underway, steady progress is being made.