This article analyzes the evaluation and issues of regional financial institution measures from a corporate survey conducted by the Financial Services Agency.
Main Points
1. Current Evaluation of Financial Institutions
- Main bank satisfaction: 68% (up 3 percentage points year-on-year)
- Business evaluation perception: 45% of companies feel "understood"
- Contribution to management problem-solving: 38% consider it "helpful"
- 10 percentage point difference in satisfaction between regional banks and credit unions/cooperatives
2. Services Required by Companies
- 1st: Sales channel development/business matching (52%)
- 2nd: Talent introduction/development support (48%)
- 3rd: Business succession/M&A support (41%)
- 4th: DX/IT support (39%)
- 5th: Decarbonization management support (28%)
3. Changes in Financing Practices
- Financing without management guarantees: 42% of new loans (target 50%)
- Business evaluation financing: 78% of implementing companies feel the effect
- Business value security rights: 15% awareness, 8% intention to use
- Short-term continuous financing: 65% of using companies improved cash flow
4. Issues with Financial Institutions
- Insufficient proposal capabilities: Most complaints about "no specific solutions"
- Person in charge expertise: 43% point out "lack of knowledge"
- Visit frequency: 35% with less than once a month, weak relationships
- Fees: 25% say "not commensurate with service"
5. Future Improvement Directions
- Human resource development: Urgent need to secure and develop specialized talent
- Digital utilization: Enhance online consultation
- Regional cooperation: Strengthen cooperation with local governments and chambers of commerce
- Visualization of results: Thorough KPI setting and effect measurement
The article concludes that for financial institutions to become true business partners, strengthening the ability to provide added value beyond financing is indispensable.