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CREDIT GUARANTEE SYSTEM IN JAPAN 2012

Credit Guarantee Corporations (CGCs) are public institutions that support small and medium enterprises (SMEs) by serving as guarantors to make it easier for them to borrow funds, which are necessary for their business operations, from financial institutions. SMEs play an important role in Japan's economy. The credit guarantee system improves the credit worthiness of SMEs, which lack physical collateral and have weak credit standings. It helps direct funds to them from private financial institutions and provides them with smoother access to financing. A key characteristic of the credit guarantee system in Japan is that it is actually a combination of the credit guarantee system operated by CGCs, which were mainly established through financial assistance from local government,. | TEE CGC s Basic Principle 1. Benefit SMEs striving to maintain establish and develop operations 2. Help them to establish creditworthiness by evaluating their managerial capabilities and facilitate funding by providing credit guarantee backed by a public institution 3. Assist in reinforcing their bases of operations by responding flexibly to a diverse range of needs including consultation analysis and the provision of information 4. By these actions contribute to the prosperity of such enterprises and promote strong regional economic development CONTENTS 1. Objectives of Credit Guarantee Corporation. 2 2. History of Credit Guarantee System . 2 3. Recent Topics. 4 4. The Credit Supplementation System . 5 1 Credit Guarantee System Flow of Operation . 6 2 Credit Insurance System. 7 3 Eligible Small and Medium Enterprises. 7 4 Ceiling on Guarantees . 8 5 Credit Guarantee Fee . 8 6 Responsibility-sharing System. 9 7 CRD .10 5. Outline of Credit Guarantee Corporation .11 6. Financial Support for the Credit Supplementation System .13 7. Outline of the Guarantee Business.14 8. Outline of National Federation of Credit Guarantee Corporations NFCGC .15 9. Supplement .18 CREDIT GUARANTEE SYSTEM IN JAPAN