Aichi Shogin Credit Cooperative (信用組合愛知商銀)
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This entry sits under cooperative-banks INDEX as the Chubu (中京) representative of the 商銀系 (in-Japan Korean business) shinkumi network, complementing Osaka Shogin Credit Cooperative (Kansai) and routing through Japan credit cooperative registry for the broader 143-cooperative population.
1. Corporate overview
| Item | Content |
|---|---|
| Formal name | Aichi Shogin Credit Cooperative (registry notation) |
| Common name | Aichi Shogin / Aichi Shogin Shinkumi |
| Established | 1954-12-27 (established as Kongo Credit Cooperative; renamed to the current name in 1958 年) |
| Corporate number | 1180005003442 ^[extracted FSA registry] |
| FSA registry No. | 82 (Tokai Local Finance Bureau) |
| Legal form | Credit cooperative (under the Small and Medium-Sized Enterprise Cooperatives Act) |
| Head-office location | Kameshima 1-6-18 , Nakamura-ku, Nagoya, Aichi (postal code 453-0013) ^[extracted FSA registry] |
| System | [[cooperative-banks/zenshin-kumi |
| Supervisory authority | Financial Services Agency / Tokai Local Finance Bureau |
| Deposit insurance | Covered by [[financial-regulators/dic |
| Home market | Aichi Prefecture (Nagoya area + surroundings) + the three Chukyo prefectures |
| Shinkumi type | Occupational + ethnic-affiliated credit cooperative (Korean-resident-in-Japan / Shogin-affiliated) |
Membership eligibility
Because it is an ethnic-affiliated shinkumi, membership eligibility has a dual structure of occupational domain + ethnic community (under the Small and Medium-Sized Enterprise Cooperatives Act):
- Occupational requirement: commercial and industrial operators (centered on Korean-resident-in-Japan businesses, with strict limits on non-member use)
- Ethnic community: Korean residents in Japan + their spouses, relatives, and affiliated businesses
- District requirement: those who reside, work, or have a place of business in the district designated by the articles of association, centered on Aichi Prefecture
Aichi prefecture shinkumi block (registry comparison)
Aichi Prefecture has 8 credit cooperatives in the FSA registry (registry Nos. 78-85):
| Shinkumi | Head office | Type |
|---|---|---|
| Aichi Prefecture Physicians’ Credit Cooperative | Sakae, Naka-ku, Nagoya | Occupational (physicians) |
| Aichi Prefecture Medical Credit Cooperative | Marunouchi, Naka-ku, Nagoya | Occupational (medical workers) |
| Aichi Prefecture Police Credit Cooperative | Sannomaru, Naka-ku, Nagoya | Workplace (police) |
| Aichi Prefecture Central Credit Cooperative | Hekinan City | Southern-prefecture regional type |
| Aichi Shogin Credit Cooperative ★This page | Nakamura-ku, Nagoya | Ethnic-affiliated (Korean-resident-in-Japan / Shogin-affiliated) |
| Toyohashi Shoko Credit Cooperative | Toyohashi City | Eastern-prefecture-regional / commerce-industry |
| Nagoya Seikabutsu Credit Cooperative | Nishikasugai-gun | Occupational (produce market) |
| Maruhachi Credit Cooperative | Sannomaru, Naka-ku, Nagoya | Prefectural-employee affiliated |
Note: Aichi’s 8 shinkumi embody a multilayered structure of occupational / ethnic-affiliated / regional type, illustrating the diversity of the shinkumi business model.
Position within Zenshinkumiren
- The Tokai-block member institution of National Federation of Credit Cooperatives (Zenshinkumiren)
- Among Tokai’s 15 shinkumi, one wing of Aichi’s 8 shinkumi
- System ATM linkage and surplus-fund management run through Zenshinkumiren
Historical background of Shogin-affiliated shinkumi
| Era | Event |
|---|---|
| 1950〜60 era | ”Shogin”-affiliated shinkumi were established in various locations as mutual-aid finance for Korean-resident-in-Japan commercial and industrial people |
| 1970〜80 era | A Shogin-shinkumi network was established in major cities such as Nagoya, Tokyo, and Osaka |
| 1990 年era | Real-estate and construction-industry loans became non-performing following the collapse of the bubble |
| 2002〜2003 | The chain-failure problem of Kansai Shogin shinkumi + the failure problem of Choginkei (Korean-affiliated) shinkumi |
| 2003〜 | Business transfers to recipient shinkumi + reorganization and consolidation of Shogin-affiliated shinkumi proceed |
| 2010 年era〜 | Response to the generational change of the in-Japan community + strengthening of AML/CFT |
Main businesses
| Business | Content |
|---|---|
| SME lending | Working-capital and capital-expenditure funds for Korean-resident-in-Japan SMEs (food service, retail, pachinko, real estate, construction, etc.) |
| Personal deposits | Time and liquid deposits for member households |
| Mortgages | Home-acquisition funds for members |
| International remittance | Cross-border remittance to Korea (an inherent demand of ethnic-affiliated shinkumi) |
| Community finance | Living-expense funds for members such as education and ceremonial occasions |
| Asset-management consultation | Over-the-counter sales of JGBs / investment trusts (via the system) |
5. KPIs
| Indicator | Value (as of 2025-03-31) | Source |
|---|---|---|
| Total assets | Approx. 1,569.3 億円 | Wikipedia (based on the disclosure publication) |
| Deposit balance | Approx. 1,187.3 億円 | Same as above |
| Loan balance | Approx. 91.5 億円 | Same as above |
| Capital contribution | Approx. 3.7 億円 | Same as above |
| Net assets | Approx. 58.2 億円 | Same as above |
| Number of employees | 105 | Same as above |
| Number of branches | 8 店 | Same as above |
Note: For the number of members, the cooperative’s disclosure publication should be consulted. The low loan/deposit ratio (approx. 8%) reflects the structure of an ethnic-affiliated shinkumi that manages surplus funds mainly via deposits with the system (Zenshinkumiren). For the latest figures, refer to the Aichi Shogin disclosure.
6. Supervision / regulation
- Competent authority: Financial Services Agency / Tokai Local Finance Bureau
- Legal basis: Small and Medium-Sized Enterprise Cooperatives Act + Act on Financial Businesses by Cooperatives (Kyokinho)
- Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution framework
- Recent policy issues:
- AML/CFT strengthening (cross-border-remittance monitoring) — compliance costs of regulation inherent to ethnic-affiliated shinkumi
- Generational change of members (the risk of shinkumi attrition among the 2 th and 3 th generations of Korean residents in Japan and beyond)
- Entry of Korean banks into Chukyo — competition with the likes of Shinhan Bank’s Nagoya branch
Related
- osaka-shogin-shinkumi — Osaka Shogin Credit Cooperative (peer Shogin-affiliated shinkumi, Kansai version)
- yokohama-kogin-shinkumi — Yokohama Kogin Credit Cooperative (peer ethnic-affiliated shinkumi, Kanto / Kanagawa)
- zenshin-kumi — National Federation of Credit Cooperatives (industry central institution for shinkumi)
- aichi-bank — Aichi Bank (Aichi regional bank, in-area competitor)
- nagoya-bank — Nagoya Bank (Aichi regional bank)
- mufg — MUFG Bank (former Tokai Bank home market)
- aichi-fg — Aichi FG (regional-finance-reorganization FG)
- dic — Deposit Insurance Corporation
- credit-cooperative-registry-japan — Japan credit cooperative registry (143 shinkumi overall)
- cooperative-banking-japan — Cooperative finance as a whole
- cooperative-banks INDEX
Sources
- FSA credit-cooperative license list: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 1180005003442, registry No. 82)
- Aichi Shogin Credit Cooperative disclosure: https://www.a-sg.jp/shogin/discloser/
- Wikipedia “Aichi Shogin Credit Cooperative” (financial figures as of 2025-03-31, history): https://ja.wikipedia.org/wiki/信用組合愛知商銀
- National Association of Credit Cooperatives: https://www.shinyokumiai.or.jp/
- Zenshinkumiren (National Federation of Credit Cooperatives) official: https://www.zenshinkumiren.jp/
- Deposit Insurance Corporation official: https://www.dic.go.jp/
- Small and Medium-Sized Enterprise Cooperatives Act
- Act on Financial Businesses by Cooperatives (Kyokinho)
- 2002〜2003 Kansai Shogin shinkumi failure-related Deposit Insurance Corporation public materials
[!info] Verification status confidence: likely. The corporate number, registry No., and head-office location derived from the FSA registry are (public information). The total-assets, deposits, loans, capital-contribution, net-assets, number-of-employees, and number-of-branches KPIs are sourced from Wikipedia (based on the disclosure publication, as of 2025-03-31) (only the number of members requires consultation). The history (1954-12-27 established as Kongo Credit Cooperative, renamed to the current name in 1958 年, operating in Aichi and Mie) is also sourced from Wikipedia. Added in the Wave 13 expansion as the Chukyo representative of Shogin-affiliated ethnic shinkumi.