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MONEY LENDERS |
Report as at January 2000
(With slight amendments to reflect establishment of Mizuho Securities on 1st October 2000)
The following data provides a quick overview of the Money Lenders market in Japan by the number of institutions and by the volume of loans outstanding.
Structure of the Money Lenders Market
(Number of institutions)
| As at |
31 Mar 97 |
31 Mar 91 |
Change % |
| Lenders of unsecured consumer finance to individuals |
6,421 |
7,974 |
-19 |
| (Of which, major companies) |
(17) |
(9) |
+89 |
| Lenders of secured consumer finance to individuals |
1,143 |
1,465 |
-22 |
| Finance Companies for Housing Loans |
146 |
112 |
+30 |
| Consumer Finance Companies for corporates |
4,401 |
5,414 |
-19 |
| Bill discounters |
1,344 |
2,128 |
-37 |
| Credit Card Companies |
225 |
194 |
+16 |
| Sales Finance (Shinpan) Companies |
151 |
139 |
+9 |
| Distributor/Manufacturer affiliated Finance Companies |
291 |
322 |
-10 |
| Real estate and Construction affiliated Finance Companies |
1,349 |
1,697 |
-21 |
| Pawn Brokers |
1,064 |
1,614 |
-34 |
| Leasing Companies |
225 |
233 |
-3 |
| Overnight (hibu) lenders |
1,258 |
519 |
+142 |
| Total |
18,018 |
21,811 |
-17 |
Source: Zenkoku Kashikin Gyokai Rengokai (1998 White Paper on Money Lending Industry)
The number of institutions has declined every year since 1991.
Structure of the Money Lenders Market
(Total loans outstanding, JPY'billion)
| As at |
31 Mar 97 |
31 Mar 91 |
Change % |
| Lenders of unsecured consumer finance to individuals |
7,483 |
3,643 |
+105 |
| Lenders of secured consumer finance to individuals |
577 |
1,398 |
-59 |
| Lenders for housing loans |
1,414 |
1,219 |
+16 |
| Lenders to corporate market |
33,991 |
43,355 |
-22 |
| Bill discounters |
419 |
889 |
-53 |
| Credit Card Companies |
1,239 |
1,316 |
-6 |
| Consumer Credit Companies |
5,846 |
6,954 |
-16 |
| Companies affiliated to distribution and manufacturers |
1,127 |
1,171 |
-4 |
| Real estate and construction companies |
2,491 |
6,987 |
-64 |
| Pawn brokers |
136 |
149 |
-9 |
| Leasing Companies |
9,338 |
17,839 |
-48 |
| Overnight (hibu) lenders |
60 |
28 |
+114 |
| Total |
64,122 |
84,948 |
-25 |
Source: Zenkoku Kashikin Gyokai Rengokai (1998 White Paper on Money Lending Industry)
The total loans outstanding has declined every year since 1991
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