Overview of Operations

Through its various functions such as Loan Programs and Credit Insurance Programs, the Small and Medium Enterprise Unit (SME Unit) financially supports the growth and development of SME's and micro businesses which are the source of Japan's economic vitality at both the national and regional levels.

Loan Programs

The SME Unit complements the financing of private financial institutions through its stable, long-term, fixed interest rate loans that is needed for the business growth of SMEs.

Breakdown of Loans, Changes in Loan Performances (FY2016)

Credit Insurance Programs

To facilitate the smooth flow of funds to SMEs and micro businesses, these programs focus on the acceptance of insurance on Credit Guarantee Corporations (CGCs) guaranteed liabilities associated with loans to SMEs and micro businesses.

  • Insurance on CGCs guaranteed liabilities involving loans to SMEs and micro businesses
  • Loans to CGCs
  • Special Insurance Programs for Mid-size Enterprises
  • Transitional Operation of the Machinery Credit Insurance Programs (Note)

(Note) Excluding insurance that had been accepted up to the end of March 2003, the SME Unit currently pays on insurance money and receives recoveries based on insurance contracts already in force (Transitional Operation of the Machinery Credit Insurance Programs).

Securitization Support Programs

With the aim of facilitating the smooth supply of unsecured funds to SMEs, these programs support private financial institutions in their endeavors based on securitization methods. Securitization support methods consist of the “Purchase-type,” “Guarantee-type” and “Securitization of Account Receivables.”

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