---
title: "城南信用金庫"
aliases: ["Jonan Shinkin Bank", "城南信金", "信金"]
domain: cooperative-banks
created: 2026-05-24
last_updated: 2026-07-29
last_tended: 2026-07-29
review_by: 2026-10-27
confidence: likely
tags: [JapanFG, shinkin, cooperative-banking, tokyo, kanto, operating-company]
status: active
sources:
  - "https://www.jsbank.co.jp/about/"
  - "https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx"
  - "https://www.shinkin-central-bank.jp/"
---

# 城南信用金庫

## Wiki route

This entry sits under [[cooperative-banks/INDEX|cooperative-banks index]]. Read it against [[cooperative-banks/asahi-shinkin|朝日信用金庫]] for peer / contrast context inside the Tokyo shinkin block, [[banking/shinkin-bank-registry-japan|Japan shinkin bank registry]] for the system landscape, [[cooperative-banks/shinkin-central|信金中央金庫]] for the cooperative central institution above it, and [[financial-regulators/fsa|the FSA]] for the supervisory / licensing boundary over 信用金庫.

## TL;DR

城南信用金庫は、東京都品川区に本店を置く、東京都南西部・神奈川県東部を主たる営業地盤とする大手都市型信用金庫。預金量で全国トップクラスの規模を持ち、脱原発宣言など独自の社会的メッセージ発信でも知られる協同組織金融機関。

## 1. License / group boundary

| Item | Notes |
|---|---|
| Legal name | 城南信用金庫 |
| Institution type | 信用金庫 (shinkin bank) — member-based cooperative under 信用金庫法 |
| License route | 信用金庫法 / FSA 信用金庫免許一覧 |
| Supervisor | [[financial-regulators/fsa|金融庁 (FSA)]] + 関東財務局 (regional 財務局 delegated supervision) |
| Group boundary | Member of [[cooperative-banks/shinkin-central|信金中央金庫]] cooperative system |
| Deposit protection | [[financial-regulators/dic|預金保険機構 (DIC)]] — shinkin deposits are DIC-insured |
| Home market | 東京都南西部 + 神奈川県東部 |
| Wiki role | Tokyo 大手 shinkin operating-company anchor page |

Sources: 正式名、法人番号、本店所在地、免許名簿上の存在は金融庁一覧、営業地区・組織情報は城南信用金庫の公式案内で確認する。「大手」等の比較語は同一基準日の全庫比較なしに順位として扱わない。 ^[Sources: https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx; https://www.jsbank.co.jp/about/.]

## 2. Institution-type business model

As a **信用金庫 (shinkin bank)**, 城南信用金庫 is a *member-based cooperative deposit-taking institution* chartered under 信用金庫法, not a joint-stock bank. Membership (会員) is open to small businesses, residents, and workers within a defined 営業地区 (membership/business district); lending is statutorily oriented toward members — predominantly local SMEs and retail households — distinguishing it from the shareholder-owned [[regional-banks/yokohama-bank|地方銀行]] model it competes with in the same geography. Surplus serves member return and reserves rather than external-shareholder profit maximisation, the defining feature of Japan's 協同組織金融 (cooperative finance) tier alongside [[cooperative-banks/asahi-shinkin|朝日信用金庫]] and other shinkin.

城南信用金庫は、東京南西部（品川・大田・目黒・世田谷など）と川崎・横浜の一部を地盤とし、中小企業融資・住宅ローン・個人預金・相続/事業承継相談を中核業務とする。預金規模で信用金庫業界の上位常連で、メガバンク・地銀との都市部競合下で協同組織の独自性を打ち出すマーケティングで知られる。脱原発宣言（2011 年以降）など、経営トップ発信による社会的メッセージング戦略は他金庫と一線を画す。

## 3. System & regulatory positioning

- **Central institution**: as a shinkin, it sits beneath [[cooperative-banks/shinkin-central|信金中央金庫 (Shinkin Central Bank)]], the system's central bank for liquidity, surplus-fund investment, and settlement — the shinkin analogue of [[cooperative-banks/norinchukin|農林中央金庫]] for JA and [[cooperative-banks/rokin-renraku|労働金庫連合会]] for 労金.
- **Supervision**: licensed and supervised under 信用金庫法 by [[financial-regulators/fsa|the FSA]] with day-to-day oversight delegated to the regional 財務局; deposits are insured by [[financial-regulators/dic|the Deposit Insurance Corporation (DIC)]] like other deposit-taking banks.
- **System context**: see [[banking/cooperative-banking-japan|cooperative banking in Japan]] for how the shinkin tier fits the broader 協同組織金融 structure, and [[banking/shinkin-bank-registry-japan|the shinkin registry]] for the national 信用金庫 population.

## 4. Why this page matters

- 預金量で業界トップクラスの東京都心型信用金庫の operating-company anchor。
- メガバンク本拠地で協同組織モデルがどう生き残るかのケース。
- 経営トップの社会的メッセージ発信（脱原発など）は信用金庫業界の中で異色の事例。

## Related

- [[cooperative-banks/shinkin-central]]
- [[cooperative-banks/asahi-shinkin]]
- [[cooperative-banks/johoku-shinkin]]
- [[cooperative-banks/kawasaki-shinkin]]
- [[banking/shinkin-bank-registry-japan]]
- [[banking/cooperative-banking-japan]]
- [[banking/INDEX]]

## Sources

- FSA: 信用金庫免許一覧 (latest snapshot per FSA registry)
- 城南信用金庫 公式 会社概要 (https://www.jsbank.co.jp/about/)
- 信金中央金庫 cooperative system context