Hana Credit Cooperative (Hana Credit Cooperative)
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This entry sits under cooperative-banks INDEX as a Tokyo-metropolitan-area (Tokyo) Zainichi-Korean ethnic shinkumi anchor, a peer to Osaka Shogin Credit Cooperative (Kansai Shogin lineage), Yokohama Kogin Shinkumi (Kanagawa Kogin lineage), and Aichi Shogin Shinkumi (Chukyo Shogin lineage) within the broader Korean-business shinkumi sub-population catalogued in Japan credit cooperative registry.
1. Corporate overview
| Item | Details |
|---|---|
| Formal name | Hana Credit Cooperative |
| Common name | Hana Shinkumi / HANA Credit Cooperative |
| Corporate number | 4011005001243 ^[extracted FSA registry] |
| FSA registry No. | 53 (Kanto Local Finance Bureau) |
| Legal form | Credit cooperative (under the Small and Medium-Sized Enterprise Cooperatives Act) |
| Head-office location | 5-29-10 Sendagaya, Shibuya-ku, Tokyo (postal code 151-0051) ^[extracted FSA registry] |
| System | [[cooperative-banks/zenshin-kumi |
| Supervisory authority | Financial Services Agency / Kanto Local Finance Bureau |
| Deposit insurance | [[financial-regulators/dic |
| Home market | Tokyo-metropolitan-area Zainichi-Korean community |
| Shinkumi type | Ethnic credit cooperative (Zainichi South/North Korean lineage; successor to the former Chogin system) |
Membership eligibility
As an ethnic shinkumi, membership eligibility has a dual structure of business domain + ethnic community (under the Small and Medium-Sized Enterprise Cooperatives Act):
- Business-domain requirement: centered on commercial/industrial operators and the self-employed (strict on non-member use)
- Ethnic community: Zainichi South/North Koreans + their spouses, relatives, and affiliated business operators
- District requirement: those residing, working, or having a place of business in the articles-designated district centered on the Kanto region
Ethnic shinkumi within Tokyo (registry comparison)
Among Tokyo’s 19 shinkumi, the ethnic shinkumi:
| Shinkumi | Head office | System |
|---|---|---|
| Hana Credit Cooperative ★this page | Sendagaya, Shibuya-ku | Successor to the former Chogin system (ethnic) |
| (Tokyo Shogin Credit Cooperative requires separate verification — Shogin lineage) | — | Shogin lineage |
Note: Among Tokyo’s 19 shinkumi, the ethnic shinkumi (Hana Shinkumi) can be identified from its registered name / logo and head-office location.
Position within the Zenshinkumiren
- A Kanto-block member institution of National Federation of Credit Cooperatives (Zenshinkumiren)
- One wing of Tokyo’s 19 shinkumi among Kanto’s 49 shinkumi
- System ATM linkage and surplus-fund management go through the Zenshinkumiren
Historical background of the Chogin credit cooperatives ^[extracted/inferred]
| Era | Event |
|---|---|
| 1950–60 s | ”Chogin”-lineage credit cooperatives were established in various regions as mutual-aid finance for Zainichi Korean (mainly pro-North Korea) commercial/industrial operators |
| 1970–80 s | A Chogin shinkumi network was established in major cities nationwide |
| The 1990 年s | With the bursting of the bubble, the non-performing-loan problem in real-estate/construction-sector lending became serious |
| 2001–2002 | The Chogin shinkumi chain-failure problem — several Chogin shinkumi across the country went into management failure, with large-scale financial assistance from the Deposit Insurance Corporation (the successor scope of Hana Shinkumi includes the 5 cooperatives of Chogin Tokyo, Chogin Chiba, Chogin Niigata, Chogin Nagano, and Chogin Kanto, and about 4,000 億円 in public funds was injected into the business rehabilitation) |
| 2002-03-20 | Establishment of Hana Credit Cooperative (opened 12-30 the same year). The trade name “Hana” means “one / unification” in Korean, symbolizing the business integration of multiple former Chogin shinkumi |
| The 2010 年s onward | Responding to generational change in the Zainichi community + strengthening AML/CFT compliance |
Main business
| Business | Details |
|---|---|
| Lending to SMEs | Working capital / equipment funds for Zainichi Korean SMEs (food service, retail, pachinko, real estate, construction, etc.) |
| Personal deposits | Time and liquidity deposits for member households |
| Mortgage loans | Home-acquisition funds for members |
| International remittance | Cross-border remittance to Korea and the community (an inherent need of ethnic shinkumi) |
| Community finance | Living funds for members for education, ceremonial occasions, etc. |
| Asset-management consultation | Over-the-counter sales of JGBs / investment trusts (via the system) |
5. KPIs
| Metric | Value | Source |
|---|---|---|
| Total assets | Approx. 3,533 億円 (2025-03-31) | Wikipedia (per disclosure magazine) |
| Net assets | Approx. 177.7 億円 (2025-03-31) | Same as above |
| Capital subscription | Approx. 38.5 億円 (2025-03-31) | Same as above |
| Deposit balance | Approx. 2,397 億円 (2022-03-31) | Same as above |
| Loan balance | Approx. 1,889 億円 (2022-03-31) | Same as above |
| Number of employees | 188 (2025-03-31) | Same as above |
| Number of branches | 17 店 | Same as above |
Note: The number of members should be checked against the cooperative’s disclosure magazine. For the latest figures, see the Hana Shinkumi disclosure.
6. Supervision / regulation
- Jurisdiction: Financial Services Agency / Kanto Local Finance Bureau
- Legal basis: Small and Medium-Sized Enterprise Cooperatives Act + the Act on Financial Businesses by Cooperatives (Kyokin Act)
- Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution category
- Recent policy issues:
- Strengthening AML/CFT (cross-border remittance monitoring) — ethnic-shinkumi-specific regulatory compliance costs + sanctions-monitoring requirements related to North Korea sanctions
- Generational change among members (risk of the 2 rd / 3 th-generation-onward Zainichi drifting away from the shinkumi)
- Competition with Korean banks (e.g., Shinhan Bank Tokyo Branch)
Related
- osaka-shogin-shinkumi — Osaka Shogin Credit Cooperative (peer ethnic shinkumi, Kansai Shogin lineage)
- yokohama-kogin-shinkumi — Yokohama Kogin Credit Cooperative (peer ethnic shinkumi, Kanagawa Kogin lineage)
- aichi-shogin-shinkumi — Aichi Shogin Credit Cooperative (peer ethnic shinkumi, Chukyo Shogin lineage)
- zenshin-kumi — National Federation of Credit Cooperatives (central body of the shinkumi industry)
- dic — Deposit Insurance Corporation (the entity that injected public funds in the Chogin crisis)
- credit-cooperative-registry-japan — Japan credit cooperative registry (all 143 shinkumi)
- cooperative-banking-japan — cooperative finance as a whole
- iwaki-shinkumi — Iwaki Credit Cooperative (peer regional-type shinkumi, business-type comparison)
- cooperative-banks INDEX
Sources
- FSA list of credit-cooperative licenses: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 4011005001243, registry No. 53)
- Hana Credit Cooperative disclosure: https://www.hanashinkumi.com/info/disclosure.php
- Wikipedia “Hana Credit Cooperative” (financial figures, founding history, the 5 predecessor Chogin cooperatives, public funds of approx. 4,000 億円, origin of the trade name): https://ja.wikipedia.org/wiki/ハナ信用組合
- National Central Society 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
- The Act on Financial Businesses by Cooperatives (Kyokin Act)
- 2001–2002 Chogin shinkumi failure-related Deposit Insurance Corporation public materials
[!info] 校核状態 confidence: likely. The corporate number, registry No., and head-office location derived from the FSA registry are (public information). The KPIs for total assets, deposits, loans, capital subscription, number of employees, and number of branches have been sourced via Wikipedia (per the disclosure magazine) (only the number of members needs to be checked). The founding history, the 5 predecessor Chogin cooperatives, the scale of public funds, and the origin of the trade name “Hana” have also been sourced via Wikipedia. Added in the Wave 13 expansion as a representative receiving shinkumi after the reorganization of the Chogin system.