愛知県医療信用組合 (Aichi Medical Credit Cooperative)

Wiki route

This entry sits under cooperative-banks INDEX as the 業域 (medical-occupation) shinkumi anchor for the Chukyo region, peer to occupation-based Keishicho Shinkumi (police) and Tokyo Metropolitan Government Employees Credit Cooperative (Tokyo Metropolitan Government Employees Credit Cooperative) (civil servant). Medical shinkumi form the largest single-industry shinkumi category in Japan’s 143-cooperative population catalogued in Japan credit cooperative registry.

TL;DR

The Aichi Medical Credit Cooperative is a occupation-based credit cooperative whose members are dentists (its official site explicitly states “a cooperative of dentists, by dentists, for dentists”), headquartered at the Aichi Dental Association Hall (6 F), Marunouchi, Naka-ku, Nagoya, Aichi. FSA registry No. 79 (under the jurisdiction of the Tokai Local Finance Bureau), corporate number 6180005003438. Established in 1962 年 for members of the Aichi Dental Association, it expanded its area in 2015 年 to dental-association members in Gifu and Mie Prefectures. The Aichi Iryo Shinkumi (registry No. 78, , targeting physicians) coexists within the same Aichi Prefecture, and the two are demarcated by dentists / physicians. National Federation of Credit Cooperatives (Zenshinkumiren) members, Deposit Insurance Corporation of Japan (DIC) covered. Housing loans, business-startup funds, and medical-equipment loans, etc., for members (dentists) form the core of its business. ^•

1. Corporate overview

Membership eligibility ^•

As an occupation-based shinkumi, membership eligibility is limited to the dentist occupation:

1. Basic requirement: dental-association members (dentists) in Aichi, Gifu, and Mie Prefectures
2. Medical institutions: dental clinics, etc., established or staffed by the above dentists
3. Retirees: OB / OG who have retired from the above (continued membership within a certain period is common)
4. Spouses / relatives: members’ spouses and same-household family (per the articles of association)
5. Non-member use: strictly restricted

Aichi medical shinkumi 2 行-cooperative structure ^•

Nationwide medical shinkumi network ^•

Medical shinkumi exist in over 17 prefectures nationwide, one of the largest occupation categories in the shinkumi industry:

Note: Medical shinkumi, at about 21 行, are the largest occupation category, accounting for 15% of the 143 shinkumi. Many were established against the backdrop of historical relationships with medical associations, building their membership base during the postwar expansion of medical institutions.

Positioning within Zenshinkumiren

• A Tokai-block member of National Federation of Credit Cooperatives (Zenshinkumiren)
• Among the Tokai 15 shinkumi, one wing of the Aichi 8 shinkumi
• One of the representative institutions of the medical-occupation shinkumi group (21 行 nationwide)
• System ATM linkage and surplus-fund management are routed through Zenshinkumiren

Main business ^•

5. KPI

Note: This cooperative is a small occupation-based shinkumi with a member (dentist) base, and the low loan-to-deposit ratio (about 13% of deposits) reflects a structure in which surplus funds are managed mainly through deposits with the system (Zenshinkumiren). The number of members should be confirmed in this cooperative’s disclosure brochure. For the latest figures, see the Aichi Medical Shinkumi disclosure.

6. Supervision / regulation

• Jurisdiction: FSA / Tokai Local Finance Bureau
• Legal basis: Small and Medium-Sized Enterprise Cooperatives Act + Act on Financial Businesses by Cooperatives (Kyokin Act)
• Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution category
• Recent policy issues:
  • DX response (member-facing smartphone apps, electronic contracts, web-completed loans)
  • Cost of responding to AML/CFT strengthening
  • Structural changes in loan demand accompanying the surge in medical-corporation M&A
  • The trend of declining independent startups by physicians (an increase in salaried physicians)

Related

• aichi-shogin-shinkumi — 信用組合愛知商銀 (peer within the Aichi 8 shinkumi, an occupation comparison)
• zenshin-kumi — National Federation of Credit Cooperatives (the shinkumi-industry central institution)
• keishicho-shinkumi — 警視庁職員信用組合 (peer occupational shinkumi, civil-servant type)
• dic — Deposit Insurance Corporation
• dbj — Development Bank of Japan (a competitor in medical-sector lending)
• credit-cooperative-registry-japan — Japan credit cooperative registry (all 143 shinkumi)
• cooperative-banking-japan — Cooperative-organization finance as a whole
• iwaki-shinkumi — Iwaki Credit Cooperative (peer regional-type shinkumi, a business-type comparison)
• cooperative-banks INDEX

Sources

• FSA Credit Cooperative License List: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 6180005003438, registry No. 79)
• Aichi Medical Credit Cooperative official (membership eligibility / disclosure): https://www.iryoushin.com/
• Wikipedia “Aichi Medical Credit Cooperative” (financial figures as of 2022-03-31; establishment, membership eligibility): https://ja.wikipedia.org/wiki/愛知県医療信用組合
• National Central Association of Credit Cooperatives: https://www.shinyokumiai.or.jp/
• Zenshinkumiren (National Federation of Credit Cooperatives) official: https://www.zenshinkumiren.jp/
• Deposit Insurance Corporation official: https://www.dic.go.jp/
• Small and Medium-Sized Enterprise Cooperatives Act
• Act on Financial Businesses by Cooperatives (Kyokin Act)

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[!info] 校核状態 confidence: likely. The corporate number, registry No., and head-office location (inside the Aichi Dental Association Hall) derived from the FSA registry are ^• (public information). The total-assets, deposit, loan, capital, employee-count, and branch-count KPIs are sourced from Wikipedia (based on the disclosure brochure, as of 2022-03-31) (only the number of members requires confirmation). The relationship with the Aichi Physicians’ Shinkumi (registry No. 78) is also sourced — this cooperative is an occupation-based shinkumi whose members are dentists (confirmed on the official site and Wikipedia; expanded its area to dental-association members in Gifu and Mie in 2015 年), while the physicians’ shinkumi targets physicians, and the two are demarcated by dentists / physicians. Added in the Wave 13 expansion as the representative anchor of medical-occupation shinkumi. Correction note: the original statement that the membership base was “medical professionals in general” was inconsistent with the sources (the official site’s “a cooperative of dentists, by dentists, for dentists” and Wikipedia), and the membership eligibility has been corrected to center on dentists.