横浜幸銀信用組合 (Yokohama Kogin Credit Cooperative)
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This entry sits under cooperative-banks INDEX as a Tokyo-metropolitan-area (Kanagawa) ethnic-business shinkumi anchor within the 143-cooperative population catalogued in Japan credit cooperative registry. Read it against Osaka Shogin Credit Cooperative for the Kansai counterpart in the Korean-business shinkumi network and National Federation of Credit Cooperatives (Zenshinkumiren) for the cooperative-system parent.
TL;DR
Yokohama Kogin Credit Cooperative is an ethnic credit cooperative whose base is business operators of the Zainichi Korean community, headquartered in Onoe-cho, Naka-ku, Yokohama City, Kanagawa Prefecture. FSA registry No. 58 (under the jurisdiction of the Kanto Local Finance Bureau), corporate number 3020005003571. It has a member base of Zainichi merchant-and-industrialist SMEs in Kanagawa Prefecture + the Koreatowns (Tsurumi / Kawasaki / the area around Yokohama Chinatown), and is one wing of the Kogin-affiliated / Shogin-affiliated ethnic-shinkumi network in the Kanto area. A member of National Federation of Credit Cooperatives (Zenshinkumiren), subject to Deposit Insurance Corporation of Japan (DIC). Operated under a three-layer membership eligibility of region + trade area + ethnic community, with cross-border remittance, community finance, and SME lending at the core of its business.
1. Corporate overview
| Item | Details |
|---|---|
| Official name | 横浜幸銀信用組合 |
| Common name | Yokohama Kogin / Kogin Shinkumi |
| Corporate number | 3020005003571 ^[extracted FSA registry] |
| FSA registry No. | 58 (Kanto Local Finance Bureau) |
| Legal form | Credit cooperative (compliant with the Act on Cooperatives of Small and Medium Enterprises, etc.) |
| Head-office location | 5-77-1 Onoe-cho, Naka-ku, Yokohama City, Kanagawa Prefecture (postal code 231-0015) ^[extracted FSA registry] |
| System | A member of [[cooperative-banks/zenshin-kumi |
| Supervisory authority | Financial Services Agency / Kanto Local Finance Bureau |
| Deposit insurance | Subject to [[financial-regulators/dic |
| Home market | All of Kanagawa Prefecture + the Kanto-area Zainichi community |
| Shinkumi type | Trade-area + ethnic credit cooperative (Zainichi Korean) |
Membership eligibility
As an ethnic shinkumi, membership eligibility has a three-layer structure of district + trade area + ethnic community (compliant with the Act on Cooperatives of Small and Medium Enterprises, etc.):
- District requirement: persons who reside, work, or have a place of business in the articles-of-association-designated district centered on Kanagawa Prefecture
- Trade-area requirement: merchants and industrialists (centered on Zainichi Korean business operators; strict on use by non-members)
- Ethnic community: the de facto member base is Zainichi Koreans + their spouses, relatives, and related business operators
Kanto Kanagawa shinkumi block (registry comparison)
In Kanagawa Prefecture there are 6 credit cooperatives on the FSA registry (registry No. 55-60):
| Shinkumi | Head office | Type |
|---|---|---|
| 小田原第一信用組合 | Odawara City | Western-prefecture regional type |
| 神奈川県医師信用組合 | Naka-ku, Yokohama City | Trade area (physicians) |
| 神奈川県歯科医師信用組合 | Naka-ku, Yokohama City | Trade area (dentists) |
| 横浜幸銀信用組合 ★this page | Naka-ku, Yokohama City | Ethnic (Zainichi Korean) |
| 相愛信用組合 | Aikawa-machi, Aiko-gun | Central-prefecture regional type |
| 信用組合横浜華銀 | Yamashita-cho, Naka-ku, Yokohama City | Ethnic (overseas-Chinese-affiliated) |
Note: Yokohama Kogin (Zainichi Korean) and Yokohama Kagin (overseas-Chinese-affiliated) coexist in the same address district (Naka-ku), a 2 行-organization setup of Kanagawa Prefecture’s representative ethnic shinkumi.
Position within 全信組連
- A Kanto-block member institution of National Federation of Credit Cooperatives (Zenshinkumiren)
- One wing of the 6 shinkumi in Kanagawa among the 49 shinkumi in the Kanto area
- System ATM linkage and surplus-fund management are via 全信組連
Main operations
| Operation | Content |
|---|---|
| SME lending | Working capital / equipment funds for Zainichi Korean SMEs (food service / retail / real estate / construction, etc.) |
| Personal deposits | Time / liquid deposits for member households |
| Housing loans | Home-acquisition funds for members |
| International remittance | Cross-border remittance to Korea (an inherent need of ethnic shinkumi) |
| Community finance | Living funds for members for weddings / education / ceremonial occasions, etc. |
| Asset-management consultation | Over-the-counter sales of JGBs / investment trusts (via the system) |
5. KPIs (official cooperative overview)
| Metric | Value | Source |
|---|---|---|
| Deposits and installment savings | 6,550 億 7,000 万円 (655,070 百万円, 2024-03-31) | Yokohama Kogin official cooperative overview |
| Loans | 4,900 億 1,000 万円 (490,010 百万円, 2024-03-31) | Yokohama Kogin official cooperative overview |
| Capital contributions | 275 億 1,500 万円 (27,515 百万円, 2024-03-31) | Yokohama Kogin official cooperative overview |
| Number of members | 73,349 persons (2024-03-31) | Yokohama Kogin official cooperative overview |
| Number of branches | 29 店 (2024-03-31) | Yokohama Kogin official cooperative overview |
| Number of staff | 320 persons (2024-03-31) | Yokohama Kogin official cooperative overview |
Note: The above are confirmed values based on the Yokohama Kogin Credit Cooperative official “cooperative overview” (as of 2024 年 3 月 31 日). The deposit scale is among the largest among Shogin-affiliated shinkumi. For the latest half-year/full-year figures, refer to the Yokohama Kogin disclosure magazine + Japan credit cooperative registry.
6. Supervision / regulation
- Competent authority: Financial Services Agency / Kanto Local Finance Bureau
- Legal basis: the Act on Cooperatives of Small and Medium Enterprises, etc. + the Act on Financial Businesses by Cooperatives (Kyokin-ho)
- Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution category
- Recent policy issues:
- AML/CFT strengthening (cross-border-remittance monitoring) — a regulatory-compliance cost inherent to ethnic shinkumi
- Generational change of members (the risk of the 2 th- and 3 th-generation-onward Zainichi drifting away from the shinkumi)
- Competition with Korean banks (Shinhan Bank Tokyo Branch, etc.)
Related
- osaka-shogin-shinkumi — Osaka Shogin Credit Cooperative (peer ethnic shinkumi, the Kansai version)
- zenshin-kumi — National Federation of Credit Cooperatives (the shinkumi industry’s central institution)
- hana-shinkumi — Hana Credit Cooperative (peer ethnic shinkumi, Tokyo)
- yokohama-bank — Bank of Yokohama (Kanagawa regional bank, in-area competitor)
- yokohama-shinkin — Yokohama Shinkin Bank (Kanagawa shinkin, business-type contrast)
- concordia-fg — Concordia FG (the Bank of Yokohama’s parent company)
- dic — Deposit Insurance Corporation of Japan
- credit-cooperative-registry-japan — Japan credit cooperative registry (all 143 shinkumi)
- cooperative-banking-japan — cooperative finance overall
- cooperative-banks INDEX
Sources
- Yokohama Kogin Credit Cooperative official “cooperative overview” (as of 2024-03-31): https://www.yokohamakougin.co.jp/about/overview.html — deposits and installment savings 6,550 億円 / loans 4,900 億円 / capital contributions 275 億円 / members 73,349 persons / branches 29 / staff 320 名 / established 昭和 37 年 2 月 28 日
- Yokohama Kogin Credit Cooperative official disclosure magazine: https://www.yokohamakougin.co.jp/disclosure/index.html
- Wikipedia “Yokohama Kogin Credit Cooperative” “Shogin Credit Cooperative” (the 2017-03-13 reorganization history of the current structure): https://ja.wikipedia.org/wiki/横浜幸銀信用組合
- FSA credit cooperative license list: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 3020005003571, registry No. 58)
- National Association of Credit Cooperatives: https://www.shinyokumiai.or.jp/
- 全信組連 (National Federation of Credit Cooperatives) official: https://www.zenshinkumiren.jp/
- Deposit Insurance Corporation of Japan official: https://www.dic.go.jp/
- The Act on Cooperatives of Small and Medium Enterprises, etc.
- The Act on Financial Businesses by Cooperatives (Kyokin-ho)
[!info] 校核状態 confidence: likely. The corporate number / registry No. / head-office location, which derive from the FSA registry, are (public information). Deposits / loans / capital contributions / number of members / branches / number of staff are confirmed in the Yokohama Kogin official cooperative overview (2024-03-31) (replacing the previous approximate estimates with actual figures). Added in the Wave 13 expansion as the Kanto representative of Kogin-affiliated ethnic shinkumi. The current structure was reorganized in 2017-03-13 (the previously unconfirmed merger history was confirmed in Wikipedia “Yokohama Kogin Credit Cooperative” “Shogin Credit Cooperative”), and the origin of its establishment is 昭和 37 年 (1962).