---
title: "横浜信用金庫"
aliases: ["Yokohama Shinkin Bank", "横浜信金", "よこしん", "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, kanagawa, kanto, operating-company]
status: active
sources:
  - "https://www.yokoshin.co.jp/profile/"
  - "https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx"
  - "https://www.shinkin-central-bank.jp/"
---

# 横浜信用金庫

## Wiki route

This entry sits under [[cooperative-banks/INDEX|cooperative-banks index]]. Read it against [[cooperative-banks/kawasaki-shinkin|川崎信用金庫]] for peer / contrast context inside the Kanagawa 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

横浜信用金庫（よこしん）は、神奈川県横浜市中区に本店を置く、横浜市・横須賀・三浦地域を主たる営業地盤とする大手地域信用金庫。横浜港湾・物流・観光関連の中小企業向け融資、住宅ローン、個人預金を中核業務とする協同組織金融機関。

## 1. License / group boundary

| Item | Notes |
|---|---|
| Legal name | 横浜信用金庫 |
| 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 | 横浜市・横須賀・三浦半島 |
| Wiki role | Kanagawa Yokohama 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・組織情報は横浜信用金庫の公式プロフィールで確認する。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.yokoshin.co.jp/profile/.]

## 2. Institution-type business model

As a **信用金庫 (shinkin bank)**, 横浜信用金庫 is a *member-based cooperative deposit-taking institution* under 信用金庫法, not a joint-stock bank. Membership and lending are tied to a defined 営業地区 — 横浜市・横須賀・三浦半島 — and credit is statutorily oriented to member SMEs (港湾物流・観光・中小製造業) and retail households, running in parallel to the shareholder-owned [[regional-banks/yokohama-bank|横浜銀行]] in the same market. Surplus serves member return and reserves rather than external-shareholder profit, the defining feature of the 協同組織金融 (cooperative finance) tier it shares with [[cooperative-banks/kawasaki-shinkin|川崎信用金庫]].

横浜信用金庫は、横浜市内の中小企業（商店・サービス・港湾物流・観光・製造業）向け SME 融資・運転資金・設備資金、住宅ローン、個人預金を中核業務とする。横浜の中小企業金融市場では地銀（[[regional-banks/yokohama-bank|横浜銀行]]）と並走する協同組織側のアンカー。神奈川県内の shinkin landscape では [[cooperative-banks/kawasaki-shinkin|川崎信用金庫]] と地理的分担関係にある。

## 3. System & regulatory positioning

- **Central institution**: sits beneath [[cooperative-banks/shinkin-central|信金中央金庫 (Shinkin Central Bank)]] for liquidity, surplus-fund investment, and settlement — the shinkin analogue of [[cooperative-banks/norinchukin|農林中央金庫]] for the JA system.
- **Supervision**: licensed 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)]].
- **System context**: see [[banking/cooperative-banking-japan|cooperative banking in Japan]] for the shinkin tier's place within 協同組織金融 and [[banking/shinkin-bank-registry-japan|the shinkin registry]] for the national 信用金庫 population.

## 4. Why this page matters

- 横浜中小企業金融の協同組織側キープレイヤーの operating-company entry。
- [[regional-banks/yokohama-bank|横浜銀行]] との市場棲み分け（株式会社地銀 vs 協同組織信用金庫）のアンカー。
- 神奈川 shinkin（川崎 vs 横浜）の地理的分担ページの片方。

## Related

- [[cooperative-banks/shinkin-central]]
- [[cooperative-banks/kawasaki-shinkin]]
- [[regional-banks/yokohama-bank]]
- [[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)
- 横浜信用金庫 公式 会社概要 (https://www.yokoshin.co.jp/profile/)
- 信金中央金庫 cooperative system context