(2021/11/24 05:00)
The revised Bank Law was enforced on the 22nd.It is expected that local banks, which are limited, alleviated the regulations of the business range, and will lead to the strengthening of the management base.I would like to make effective use of different options from reorganization such as management integration and gain a moment of regional revitalization after the corona.
Banks can expand their business scope to external sales of IT systems and applications (applied software) developed by self -lines, dispatching human resources for business support, data analysis, etc.Full investment in companies that contribute to regional revitalization has also become possible.
Banks, especially regional banks, are required to work deeper into regional revitalization.I would like to expect the effects of promoting digital transformation (DX) in the regional economy by utilizing the human resources and technologies held.The financial broker function of the main business is also required to transfer from collateral -dependent loans to loans that evaluate small and medium -sized enterprises, while strengthening the profit base.
The performance of regional banks is performing well.In the FY021 FY021 FY021 -September FY021, 68 companies increased profits in the current fiscal year.It has been successful that credit -related costs to be accumulated in preparation for lending.Corporate bankruptcy has decreased significantly due to government and local governments' funding support, and according to Tokyo Commerce and Industry Research, it was less than 3,000 for the first time in 55 years in April and September.
However, the structural problem of regional banks has not changed much before and after the corona.The regional economy is exhausted by the city center due to population decline, and the demand for funding has declined due to low growth, and the loan interest rate is constantly decreasing.It is unclear how far the management base can be enhanced by expanding the business range.
In order to promote the merger and restructuring of regional banks, the government has enforced the Exclusive Professional Law Special Law in November 2010, which allows the merger of regional banks in the same prefecture to enforce the merger of regional banks, and in May this year, the revised financial function enhancement method was enacted, and the merger and reorganization will be made.Grants are paid to some of the expenses, such as the accompanying system integration and store consolidation.
With the merger and reorganization of the expansion of the business range, the options for regional banks were complete.Regional Bank wants to build a sustainable business model early and play the role of regional revitalization.
(2021/11/24 05:00)
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