銀行参入　広がる消費者金融　Bank entry: Expanding consumer finance

個人に対し、担保や保証人を取らずに融資する消費者金融。景気低迷の中、拡大を続けています。10年前、およそ4兆円だった貸出残高は3倍近くに膨れ上がり、今や11兆円を超える巨大ビジネスとなりました。この消費者金融ビジネスに今、全国の銀行が一斉に参入し始めています。銀行の参入を支えているのが、大手消費者金融との提携です。膨大な顧客データに基づく審査や回収のシステムなど、銀行にはないノウハウの提供を受けているのです。個人にとりまして、銀行は主にお金を預ける場所、お金を借りるとしても、住宅や教育ローンなどに限られてきました。その銀行から個人がお金を借りやすい環境が生まれています。不良債権の処理に苦しみ、収益力の回復が急務となっている銀行が。今、個人への融資に積極的になっているからです。で、これまでリスクが高いとしまして、銀行が行って来なかった無担保無保証の個人向け小口融資、いわゆる消費者金融ビジネスに、大手銀行や地方銀行などがあいついで参入しているのです。この無担保保障の貸付。つまり、個人の信用ベースにお金を貸し出す事業を長年続けてきましたのが、かつてサラ金と言われました。消費者金融会社です。銀行は消費者金融会社のノウハウを利用して新たなビジネスに乗り出したのです。銀行と消費者金融会社の提携や合弁会社の設立。個人をターゲットにしたビジネスとはどのようなものなのか？手を組んだ両者の思惑と合わせてご覧ください。

Consumer financing that provides loans to individuals without collateral or guarantors. Despite the economic downturn, it continues to expand. Ten years ago, the loan balance was approximately 4 trillion yen, but it has nearly tripled and is now a huge business worth over 11 trillion yen. Banks across the country are now starting to enter this consumer finance business all at once. Banks’ entry into the market is supported by partnerships with major consumer finance companies. We are provided with know-how that banks do not have, such as screening and collection systems based on vast amounts of customer data. For individuals, banks have mainly been a place to deposit money, and even when borrowing money, it has been limited to housing and education loans. This creates an environment in which it is easy for individuals to borrow money from banks. Banks are struggling to deal with non-performing loans and are in urgent need of recovering their profitability. This is because they are now more active in lending to individuals. So, major banks and regional banks are one after another entering the so-called consumer finance business, which is unsecured and unguaranteed small-scale loans to individuals, which banks have not been involved in until now due to the high risks involved. This unsecured guaranteed loan. In other words, businesses that have been in the business of lending money to individuals on a credit basis for many years were once called loan sharks. A consumer finance company. Banks used the know-how of consumer finance companies to launch new businesses. Partnerships and joint ventures between banks and consumer finance companies. What is a business targeting individuals? Please take a look at the thoughts of both parties.