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                    [ArticleID] => 234168
                    [Title] => Insurance, guarantees for R&D; more financing programs
                    [Summary] => 
(Last of five parts)
Insurance for encouragement of R&D In order to promote creative business activities among small and medium enterprises (SMEs), insurance for encouragement of research and development (R&D) was established in April 1996. In this insurance system, authorized support organizations or "venture foundations", provide venture capitalists with guarantees for their underwriting of corporate bonds issued by SMEs. The Small Business Credit Insurance Corp.
                    [DatePublished] => 2004-01-06 00:00:00
                    [ColumnID] => 133272
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                    [SectionUrl] => banking
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                    [ArticleID] => 233409
                    [Title] => More insurance systems for fund-raising activities
                    [Summary] => As had been pointed out, financial institutions, and especially Japanese banks, heavily rely on physical collateral, real estate in particular, when they extend loans. Small and medium enterprises (SMEs) have accounts receivable that exceeds real estate and cash/deposits. However, they fail to make adequate use of these accounts receivable for fund-raising measures.


                    [DatePublished] => 2003-12-30 00:00:00
                    [ColumnID] => 133272
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                    [ArticleID] => 232664
                    [Title] => Types of insurance for SME credit guarantees
                    [Summary] => 
Insurance Requirements 

The insurance must cover all guarantees that meet all the requirements. Guaranteed loans are required to be extended by such financial institutions as banks, credit associations, credit cooperatives, agricultural cooperatives, fishery cooperatives, government financial institutions, and insurance companies. Except for moneylenders, most of the financial institutions that extend loans to small and medium enterprises (SMEs) are eligible for the insurance.


                    [DatePublished] => 2003-12-23 00:00:00
                    [ColumnID] => 133272
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                    [SectionUrl] => banking
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                    [ArticleID] => 231838
                    [Title] => State recognizes importance of SMEs, enacts laws
                    [Summary] => Small and medium enterprises (SMEs) in Japan have played an important role in the economic and social development of Japan. In fact, they are a vital majority in this country. This is statistically evident. For example, 99 percent of the 4.7 million non-primary business in Japan in 2001 fell into the SME category. The number of employees likewise accounted for 25 million or 67 percent of the total work force.


                    [DatePublished] => 2003-12-16 00:00:00
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                    [Title] => Trial and error results in best policies, regulations
                    [Summary] => The current Japanese Credit Supplementation System for small and medium enterprises (SMEs) is a product of trial and error, with the first considered to be a loss compensation system implemented in the 1930s. In this system, some local governments partially compensated bank’s total losses incurred by defaulted loans to SMEs, and the central government provided re-compensation to assist the local governments. Since they did not have to contact numerous SMEs, or deal with recovery process, the business operation was relatively easy.
                    [DatePublished] => 2003-12-09 00:00:00
                    [ColumnID] => 133272
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JASMEC

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                    [ArticleID] => 234168
                    [Title] => Insurance, guarantees for R&D; more financing programs
                    [Summary] => 
(Last of five parts)
Insurance for encouragement of R&D In order to promote creative business activities among small and medium enterprises (SMEs), insurance for encouragement of research and development (R&D) was established in April 1996. In this insurance system, authorized support organizations or "venture foundations", provide venture capitalists with guarantees for their underwriting of corporate bonds issued by SMEs. The Small Business Credit Insurance Corp.
                    [DatePublished] => 2004-01-06 00:00:00
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                    [ArticleID] => 233409
                    [Title] => More insurance systems for fund-raising activities
                    [Summary] => As had been pointed out, financial institutions, and especially Japanese banks, heavily rely on physical collateral, real estate in particular, when they extend loans. Small and medium enterprises (SMEs) have accounts receivable that exceeds real estate and cash/deposits. However, they fail to make adequate use of these accounts receivable for fund-raising measures.


                    [DatePublished] => 2003-12-30 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
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                    [AuthorName] => 
                    [SectionName] => Banking
                    [SectionUrl] => banking
                    [URL] => 
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                (
                    [ArticleID] => 232664
                    [Title] => Types of insurance for SME credit guarantees
                    [Summary] => 
Insurance Requirements 

The insurance must cover all guarantees that meet all the requirements. Guaranteed loans are required to be extended by such financial institutions as banks, credit associations, credit cooperatives, agricultural cooperatives, fishery cooperatives, government financial institutions, and insurance companies. Except for moneylenders, most of the financial institutions that extend loans to small and medium enterprises (SMEs) are eligible for the insurance.


                    [DatePublished] => 2003-12-23 00:00:00
                    [ColumnID] => 133272
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                    [URL] => 
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                    [ArticleID] => 231838
                    [Title] => State recognizes importance of SMEs, enacts laws
                    [Summary] => Small and medium enterprises (SMEs) in Japan have played an important role in the economic and social development of Japan. In fact, they are a vital majority in this country. This is statistically evident. For example, 99 percent of the 4.7 million non-primary business in Japan in 2001 fell into the SME category. The number of employees likewise accounted for 25 million or 67 percent of the total work force.


                    [DatePublished] => 2003-12-16 00:00:00
                    [ColumnID] => 133272
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                    [SectionName] => Banking
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                    [URL] => 
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                    [ArticleID] => 230972
                    [Title] => Trial and error results in best policies, regulations
                    [Summary] => The current Japanese Credit Supplementation System for small and medium enterprises (SMEs) is a product of trial and error, with the first considered to be a loss compensation system implemented in the 1930s. In this system, some local governments partially compensated bank’s total losses incurred by defaulted loans to SMEs, and the central government provided re-compensation to assist the local governments. Since they did not have to contact numerous SMEs, or deal with recovery process, the business operation was relatively easy.
                    [DatePublished] => 2003-12-09 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Banking
                    [SectionUrl] => banking
                    [URL] => 
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abtest

Insurance, guarantees for R&D; more financing programs

January 6, 2004 - 12:00am

(Last of five parts) Insurance for encouragement of R&D In order to promote creative business activities among small and medium enterprises (SMEs), insurance for encouragement of research and development (R&D)...

Banking

More insurance systems for fund-raising activities

December 30, 2003 - 12:00am

As had been pointed out, financial institutions, and especially Japanese banks, heavily rely on physical collateral, real estate in particular, when they extend loans. Small and medium enterprises (SMEs) have accounts...

Banking

Types of insurance for SME credit guarantees

December 23, 2003 - 12:00am

Insurance Requirements The insurance must cover all guarantees that meet all the requirements. Guaranteed loans are required to be extended by such financial institutions as banks, credit associations, credit...

Banking

State recognizes importance of SMEs, enacts laws

December 16, 2003 - 12:00am

Small and medium enterprises (SMEs) in Japan have played an important role in the economic and social development of Japan. In fact, they are a vital majority in this country. This is statistically evident. For example,...

Banking

Trial and error results in best policies, regulations

December 9, 2003 - 12:00am

The current Japanese Credit Supplementation System for small and medium enterprises (SMEs) is a product of trial and error, with the first considered to be a loss compensation system implemented in the 1930s. In...

Banking