Sojitz Finance (双日フィナンス)

Wiki route

This entry sits under trading-company-finance INDEX. Read it against Marubeni Financial Services (the closest mid-tier trading-house group-treasury peer) and Itochu Finance (another peer trading-house internal-treasury arm). For the mid-tier trading-house captive comparison, see Kanematsu Leasing (smaller mid-tier trading-house leasing). For the 5 -major-trading-house comparison baseline, see Mitsubishi Corporation Financial Services / Mitsui Bussan Financial Services / Sumitomo Corp Financial Management / Toyota Tsusho Finance. See banking index for the broader regulatory boundary.

1. Company overview

Item	Notes
Wiki role	Sojitz Group’s inward-facing finance + typical example of a mid-tier trading-house finance function

Sojitz and bank affiliations

Former Nichimen: relationship with Sanwa Bank (now MUFG, Sanwa lineage)
Former Nissho Iwai: relationship with the former Dai-Ichi Kangyo Bank and former IBJ (now Mizuho FG (Mizuho FG))

Placement of Sojitz’s financial functions

Layer	Entity	Role
Outward-facing banks (main banking)	[[megabanks/mufg	MUFG]] / [[megabanks/mizuho-fg
Inward-facing / group finance	Sojitz Finance (this page)	Group companies’ internal banking / CMS / internal factoring

2. Business segment map

Segment	Content
CMS (Cash Management Service)	Settlement concentration and cash pooling for Sojitz Group companies
Bulk factoring	Purchase of trade receivables / payment agency for group companies
Group finance	Short-term / mid-term loans to group companies
FX / interest-rate risk-hedging intermediation	Derivatives intermediation for group companies
Overseas remittance services	Overseas remittance and collection for group companies
Trade-finance support	Credit support tied to transactions in automotive / aerospace industries / infrastructure & healthcare / metals, resources & recycling / chemicals / food & agribusiness / consumer industries / retail

Sojitz’s business structure and financial functions

Sojitz Finance supports supplier finance / overseas-currency hedging / cross-border remittance, etc. in these segments. Because it is a mid-tier trading house, the scale of its financial functions is smaller than the 5 major trading houses, but the feature set is similar.

Competitors / Peers

Trading house	Scale layer	Inward-facing finance subsidiary	Outward-facing leasing arm
Mitsubishi Corporation	5 major	[[trading-company-finance/mitsubishi-corp-finance	三菱商事FS]]
Mitsui & Co.	5 major	[[trading-company-finance/mitsui-bussan-financial-services	三井物産FS]]
Sumitomo Corporation	5 major	[[trading-company-finance/sumitomo-corp-financial-management	住友商事FM]]
Itochu	5 major	[[trading-company-finance/itochu-finance	伊藤忠ファイナンス]]
Marubeni	5 major	[[trading-company-finance/marubeni-financial-services	丸紅フィナンス]]
Toyota Tsusho	5+1 / 7 major (Toyota lineage)	[[trading-company-finance/toyota-tsusho-finance	豊田通商フィナンス]]
Sojitz	7 major (mid-tier)	Sojitz Finance (this page)	no dedicated large subsidiary
Kanematsu	mid-tier	(limited)	[[leasing-firms/kanematsu-leasing

4. Regulation / policy

Supervisor: FSA (related to money-lending / FX business)
Regulatory points:
- Transfer-pricing taxation of intra-group financial transactions
- Boundary between group factoring and the Installment Sales Act / Money Lending Business Act
- Elimination of intercompany transactions in consolidated accounting
Recent policy points:
- 2024〜 BoJ monetary policy → reassessment of intra-group interest charging

Marubeni Financial Services (peer)
Itochu Finance (peer)
Mitsubishi Corporation Financial Services (peer)
Mitsui Bussan Financial Services (peer)
Sumitomo Corp Financial Management (peer)
Toyota Tsusho Finance (peer)
Kanematsu Leasing (mid-tier trading-house captive comparison)
MUFG / Mizuho FG (Mizuho FG) / SMFG (parallel main banks)
banking index
Japan acquisition finance

Sources

Sojitz Corporation (2768) securities report (EDINET disclosure) — list of affiliated companies
Sojitz official IR / integrated report (list of group companies)
Japan Leasing Association (JLA) https://www.leasing.or.jp/
EDINET securities report search https://disclosure.edinet-fsa.go.jp/

[!info] Verification status confidence: tentative (based on public information 2026-05-24). Sojitz Finance is an unlisted subsidiary with limited external disclosure; its business scope / handling scale is on a speculative basis. For the latest information, refer to the list of affiliated companies in Sojitz’s securities report. Positioned as a typical image of a “mid-tier trading house’s internal finance subsidiary.” The parent trading-house page sojitz-corp.md has not been created → planned to be added later as backlog.