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💴 | How much is the average home purchase cost?What is the average loan repayment amount?


What is the average home purchase cost?What is the average loan repayment amount?

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It can be seen that the self-financing alone is not enough, and that they are borrowing from other financial institutions as "others."

What is the average home purchase price?According to the 2020 “Flat 35 User Survey” by the Japan Housing Finance Agency, his home… → Continue reading

 Financial field

Financial Field publishes articles every day with the motto of "Solutions for questions and concerns about money are easy to understand." Financial fields can solve problems that are difficult to discuss, such as tuition, inheritance, loans, investment, insurance, etc.
Professionals such as financial planners, lawyers, certified public accountants, and tax accountants provide easy-to-understand news about user questions and the latest trends related to money.

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    Own resources

    Financial institution

    Financial institutionWhat is (Kinyuukikan)?Financial businessand provide various financial services to customersCompanyor organization[1].

    financial institutions (Central Bank), 1. forms of finance (intermediation) (Direct finance,Indirect financing, hybrid finance);[1].

    The financial industry is broadly defined as financial institutions (banks, cooperative financial industry), intermediary institutions for financial transactions (money lending,Pawnshop, credit card business, installment finance business, housing specialty finance business, securities finance business, factoring business, financial instruments business, commodity futures business, etc.), supplementary financial business (Short-term investment company,Clearing house,currency exchange, credit guarantee institutions, prepaid certificate issuers, credit management and collection companies, etc.) and trust businesses[2].

    Japanese financial institution

    Main types of financial institutions in Japan
    SortApplicable organization
    Central BankBank of Japan
    Ordinary bankCity bank,
    Local bank,
    Trust bank, etc.
    中小企业Financial institutionCredit union,
    Credit union etc.
    Cooperative organizationFinancial institutionLabor bank, etc.
    Agriculture, Forestry and FisheriesFinancial institutionAgricultural cooperatives,
    Fisheries cooperatives, etc.
    Welfare workFinancial institutionConsumers' co-op, etc.
    Securities financial institutionSecurities companies, etc.
    Insurance companyLife insurance companies,
    Non-life insurance company, etc.
    Non-bankConsumer finance, etc.
    GovernmentFinancial institutionJapan Policy Finance Corporation,
    Development Bank of Japan,
    Japan Housing Finance Agency, etc. 

    Central Bank

    Bank of Japan TheBank of Japan ActBased in JapanCentral Bank.

    Private financial institution

    Japanese private financial institutions are divided into deposit-handling financial institutions and other financial institutions (securities companies and insurance companies).[3]..In addition, Japan Post (Japan Post Bank, Japan Post Insurance) andCommerce and Industry Association Chuo BankMay be classified as a public financial institution due to government-owned shares (transitional status of full privatization)[3].

    Deposit handling financial institutions

    Deposit handling financial institutionsIs divided into ordinary banks, long-term financial institutions (trust banks), and cooperative financial institutions.[3].

    Other financial institutions

    Mutual aid organization

    Public financial institution

    Public financial institutions include government-affiliated financial institutions and other financial institutions, such as Japan Post Holdings (Japan Post Bank, Japan Post Insurance) and as mentioned above.Chuo Bank, Ltd.May be classified as a public financial institution due to government-owned shares (transitional status of full privatization)[3].

    Other business formats and laws and regulations

    Commercial regulations for banks, credit unions, and credit unions

    in Japan,1990Until the first half of the year, banks, credit unions, and credit unions are standalonePoster,News (Chinese)Other than so-called still media such ascommercialInability to act (CM of the governing body was also broadcast media.Banking lawDue to the revision, there will be a notice of Saturday closure notice, etc.) At the time of regulation operation,Credit cardWas used to make indirect commercials in the form of "○○ (= bank name) card, application to bank". In addition,Mutual bankIs a mutual bank that has loose commercial regulations and issues credits before conversion to ordinary banks.[Annotation 1]Although there were some cases, the same regulations as for temporary banks, credit unions, credit unions, etc.

    From the second half of 1990radioLimited to the commercial part of the broadcast media limited to. In the case of radio, there were no restrictions, so some programs such as banksCrown sponsorThere were some cases where the program was provided as.

    1991From Octobertv setThe commercials at were also lifted. When the program started,Credit providedDo not put (ParticipationHandling), because there were restrictions such as the broadcasting time can only be broadcast on a fixed time frame, there were many activities mainly in spot commercials.

    Since then, regulations have been relaxed, and now it is possible to issue credits like other companies.

    U.S. financial institutions

    Types of financial institutions

    Major financial institutions include commercial banks, savings associations, thrift institutions, and credit unions.[5].

    Banks are defined in the Bank Holding Companies Act, and commercial banks are dual banks with a national bank under federal law and a state bank under state law. Banking System)[5]..Many banks are under the umbrella of a bank holding company[5].

    Savings financial institutions also include federal savings associations under federal law and state savings associations under state law.[5].

    Financial supervisory authority

    • Office of the Comptroller of the Currency (OCC)-Founded in 1863 by the National Currency Act[5].
    • Federal Reserve Board(Board of Governors of the Federal Reserve System, FRB)-Founded under the Federal Reserve Act[5].

    British financial institution

    Types of financial institutions

    Major financial institutions include banks, building societies, and credit unions[5]..The building-and-loan union is a financial institution based on the Building Society Act 1986, and mainly lends with housing as collateral.[5].

    Financial supervisory authority

    • Financial Policy Committee (FPC)-During the period established within the Bank of England under the Bank of England Act 1998, the business content under the Financial Services Act 1998 Was partially revised[5].

    EU financial institutions

    Types of financial institutions

    In the EU, financial institutions that carry out banking operations are called credit institutions, and in Directive 2013/36 / EU (4th Capital Requirement Directive), "Accept deposits or other refundable funds from the public and self It is defined as "a business operator whose business is to provide credit on an account" and is regulated by the directive.[5].

    In the EU, the universal bank format has been adopted for the integration of the financial services market, and any institution engaged in banking business can obtain a license as a credit institution. In May 1993, it was decided to regulate by 5/93 / EEC (Investment Service Directive).[5].. The 93/22 / EEC (Investment Services Directive) was amended by the Directive 2004/39 / EC (Financial Instruments Market Directive), which are now defined as investment service companies.[5].

    Financial supervisory authority

    • European Banking Authority (EBA)[5]
    • European Securities and Markets Authority (ESMA)[5]
    • European Insurance and Occupational Pensions Authority (EIOPA)[5]

    Chinese financial institution

    Types of financial institutions

    Financial institutions under the supervision of the China Banking Regulatory Commission (CBRC) include Policy Banks and National Development Banks, Commercial Banks, Rural Credit Unions, Rural Cooperative Banks, New Rural Financial Institutions and Postal Services. There are savings banks, non-banks, financial asset management companies, foreign banks[5].

    • Policy Bank and National Development Bank-The Policy Bank is a non-profit financial institution established in 1994 with a wholly owned government investment, does not handle personal deposits, provides financial grants, issues policy finance bonds, and is issued by the Central Bank. Funded by borrowing[5]..There are China Export-Import Bank and China Agricultural Development Bank (conventional China Development Bank was converted to a commercial bank in December 2008)[5].
    • Commercial Banks-As stipulated by the Commercial Banking Law, there are large commercial banks, stock-based commercial banks, commercial banks, and rural commercial banks.[5].
    • Rural credit unions-Financial institutions funded by farmers, agricultural cooperatives, township and village enterprises, etc., and mainly provide services such as handling deposits and loans from investors.[5].
    • Rural Cooperative Bank-A financial institution that has converted from a rural credit union with a minimum capital of 2,000 million yuan or more and a capital adequacy ratio of 4% or more and is permitted to operate in the same manner as a commercial bank.[5].
    • New Rural Financial Institution and Postal Savings Bank
      • New Rural Financial Institutions-Village Town Bank, Rural Fund Mutual Aid Company, Loan Specialist, Financial Institutions Approved to Promote Entry into Rural Areas[5].
      • Postal Savings Bank of China-A financial institution established on March 2007, 3, wholly owned by the Postal Savings Bank of China, taking over the postal savings business of the State Post Bureau.[5].

    Financial supervisory authority

    • China Banking Regulatory Commission (CBRC)-A banking regulator that reports directly to the State Council as stipulated by the Banking Regulatory Commission (CBRC).[5].


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    注 釈


    1. ^ a b Jun Hirata, "Pre-step Finance 2nd Edition" Kobundo, 2018, 58 pages. 
    2. ^ Division J - Finance industry, insurance industry --Ministry of Internal Affairs and Communications, viewed April 2022, 7.
    3. ^ a b c d "The role of banks in the economy as a whole”. Japanese Bankers Association. April 2021, 9Browse.
    4. ^ a b "What is a credit union?”. General Incorporated Association Tokyo Credit Union Association. April 2021, 9Browse.
    5. ^ a b c d e f g h i j k l m n o p q r s t u v w x "Summary report of financial system in other countries (Daiwa Institute of Research)". Financial Services Agency. April 2021, 9Browse.

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