Roles of financial institutions and credit guarantees in regional revitalization in Japan
著者
書誌事項
Roles of financial institutions and credit guarantees in regional revitalization in Japan
（Springer briefs in economics, . Kobe University social science research series）
Springer, c2019
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注記
Includes bibliographical references
Other authors : Yoshihiro Asai, Masao Ojima, Kei Tomimura, Koji Yoneda
内容説明・目次
内容説明
This book is about the roles that financial institutions are expected to play for revitalizing regional economies in Japan, which face several serious problems such as a rapidly aging population as well as a sharp decline in population. The Japanese government expects regional financial institutions to contribute to that revitalization. Actually, Japanese regional financial institutions have made various efforts to support small and medium-sized enterprises (SMEs) to increase their profitability and sustainability. However, the efforts have not yet produced adequate outcomes.
To help clarify the reasons for the failures and to offer policy recommendations, the authors used four questionnaires to conduct surveys. They sent the questionnaires to the headquarters of regional financial institutions for Chapter 1 and to the staffs of regional financial institutions for Chapter 2. The government revised the Credit Guarantee System Reform Act in 2017 to promote financial institutions and credit guarantee corporations in order to proactively support SMEs, so in Chapter 3 the aims of the revised act are explained. Chapter 4 is based on a survey of startups that used the public credit guarantee. Finally, Chapter 5 is based on another, different questionnaire that was sent to SMEs to find out why they failed to improve their risk management and how financial institutions can help them to prepare for disasters. To the best of the authors' knowledge, these questionnaire studies on regional revitalization have not been carried out elsewhere, making this book unique.
目次
PrefaceAcknowledgement
Contents
About the Authors
Chapter 1
How Regional Financial Institutions Can Promote Regional Revitalization in Japan: Results of the 2017 Survey on Regional Finance
Abstract
Key words
1. Introduction
2. Challenges faced in regional revitalization measures
2.1 Regional revitalization as a part of the management philosophy of financial institutions
2.2 Attitude towards involvement in regional revitalization
2.3 How to convey the resolve of top management
3. Challenges faced in corporate support measures
3.1 Disparities in management improvement measures
3.2 Problems faced in corporate turnaround measures
3.3 Personnel evaluations affecting support stances
4. Challenges in startup support activities
4.1 Track record of financing startup companies with low credit worthiness
4.2 Difficulties in providing funding to startup companies
4.3 Support for would-be startup founders
4.4 Business viability evaluation strength and startup support strength
5. Business matching efforts and issues
5.1 Business matching beneficial to both customers and financial institutions
5.2 Challenges in business matching efforts
5.3 Personnel evaluation methods
6. New employee retention and challenges
6.1 New employee retention
6.2 Personnel evaluation affecting new hire attrition rates
6.3 New hire attrition rates and insufficient corporate support personnel
6.4 Disparities in efforts to address attrition rates
7. Conclusions
References
Chapter 2
Current Situation and Challenges of Human Resources Management of Financial Institutions: Based on the 2017 attitude survey of young and mid-level staff of Japanese financial institutions
Abstract
Keywords
1. Introduction
2. Survey Implementation Overview
3. Reason for choosing employment at a financial institution
4. Sense of accomplishment in work
5. Financial institution personnel and performance evaluation system
6. Receptiveness to new evaluation systems
7. Evaluation of workplace environments
8. Conclusions
References
Chapter 3
Japan's Credit Guarantee System Reform of 2017 and New Functions of Credit Guarantee Corporations
Abstract
1. Introduction
2. What Issues Did the Financial WG of the Small and Medium Enterprise Policy-Making Council Try to Solve?
3. What Did the Financial WG Propose to Enhance Functions of Credit guarantee corporations?
3.1 Securing of conventional loans
3.2 Enhancement of credit guarantee corporation functions
3.2.1 Appropriate risk allocation between credit guarantee corporations and financial institutions
3.2.2 Promotion of management support and business turnaround
3.2.3 Contributions to regional revitalization
3.3 Promoting information disclosure and improving operation efficiency
4. Conclusions
References
Chapter 4
Roles of the Public Credit Guarantee System and Regional Financial Institutions in Supporting Startup Firms: Based on the survey conducted by the Aichi Credit Guarantee Corporation
Abstract
Key words
1. Introduction
2. Questionnaire of "Companies using Aichi Credit Guarantee Corporation's Credit Guarantee for Support of Start-ups"
2.1 Target companies
2.2 Survey overview
3. Survey results
3.1 Steady growth after using the credit guarantee
3.2 Main fears of founders around the time of founding the business
3.3 Credit guarantee corporation's consultation with founders preparing to start-up a business
3.4 Important motive for the business start-up plan
3.5 Room for improvement for financial institution behavior during loan refusal
3.6 Role of credit guarantee loans for founders
3.7 Concerns and complaints of founders during their first use of credit guarantees
3.8 Response of financial institutions after using credit guarantees
4. Conclusion
References
Chapter 5
The Great East Japan Earthquake and Risk Management for Small and Medium Enterprises: Based on the 2014 SME survey
Abstract
Keywords
1. Introduction
2. Great East Japan Earthquake and utilization of earthquake insurance by SMEs
2.1 Previous research related to earthquake insurance in Japan
2.2 Insurance usage by SMEs affected by the Great East Japan Earthquake
2.3 Specified earthquake risk contact
2.4 The situation of a specified earthquake risk contract after the earthquake
3. Overview of corporate questionnaire used in the analysis
4. Analysis results
4.1 Insurance usage to prepare against disasters
4.2 Risk management before the earthquake
4.3 Influence of the Great East Japan Earthquake on risk management activities
4.4 Precautionary countermeasures and the earthquake's impact on business performance
5. Conclusion
References
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