Aichi Shogin Credit Cooperative (信用組合愛知商銀)

Wiki route

This entry sits under cooperative-banks INDEX as the Chubu (中京) representative of the 商銀系 (in-Japan Korean business) shinkumi network, complementing Osaka Shogin Credit Cooperative (Kansai) and routing through Japan credit cooperative registry for the broader 143-cooperative population.

1. Corporate overview

Membership eligibility ^•

Because it is an ethnic-affiliated shinkumi, membership eligibility has a dual structure of occupational domain + ethnic community (under the Small and Medium-Sized Enterprise Cooperatives Act):

1. Occupational requirement: commercial and industrial operators (centered on Korean-resident-in-Japan businesses, with strict limits on non-member use)
2. Ethnic community: Korean residents in Japan + their spouses, relatives, and affiliated businesses
3. District requirement: those who reside, work, or have a place of business in the district designated by the articles of association, centered on Aichi Prefecture

Aichi prefecture shinkumi block (registry comparison)

Aichi Prefecture has 8 credit cooperatives in the FSA registry (registry Nos. 78-85):

Note: Aichi’s 8 shinkumi embody a multilayered structure of occupational / ethnic-affiliated / regional type, illustrating the diversity of the shinkumi business model.

Position within Zenshinkumiren

• The Tokai-block member institution of National Federation of Credit Cooperatives (Zenshinkumiren)
• Among Tokai’s 15 shinkumi, one wing of Aichi’s 8 shinkumi
• System ATM linkage and surplus-fund management run through Zenshinkumiren

Historical background of Shogin-affiliated shinkumi ^•

Main businesses ^•

5. KPIs

Note: For the number of members, the cooperative’s disclosure publication should be consulted. The low loan/deposit ratio (approx. 8%) reflects the structure of an ethnic-affiliated shinkumi that manages surplus funds mainly via deposits with the system (Zenshinkumiren). For the latest figures, refer to the Aichi Shogin disclosure.

6. Supervision / regulation

• Competent authority: Financial Services Agency / Tokai Local Finance Bureau
• Legal basis: Small and Medium-Sized Enterprise Cooperatives Act + Act on Financial Businesses by Cooperatives (Kyokinho)
• Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution framework
• Recent policy issues:
  • AML/CFT strengthening (cross-border-remittance monitoring) — compliance costs of regulation inherent to ethnic-affiliated shinkumi
  • Generational change of members (the risk of shinkumi attrition among the 2 th and 3 th generations of Korean residents in Japan and beyond)
  • Entry of Korean banks into Chukyo — competition with the likes of Shinhan Bank’s Nagoya branch

Related

• osaka-shogin-shinkumi — Osaka Shogin Credit Cooperative (peer Shogin-affiliated shinkumi, Kansai version)
• yokohama-kogin-shinkumi — Yokohama Kogin Credit Cooperative (peer ethnic-affiliated shinkumi, Kanto / Kanagawa)
• zenshin-kumi — National Federation of Credit Cooperatives (industry central institution for shinkumi)
• aichi-bank — Aichi Bank (Aichi regional bank, in-area competitor)
• nagoya-bank — Nagoya Bank (Aichi regional bank)
• mufg — MUFG Bank (former Tokai Bank home market)
• aichi-fg — Aichi FG (regional-finance-reorganization FG)
• dic — Deposit Insurance Corporation
• credit-cooperative-registry-japan — Japan credit cooperative registry (143 shinkumi overall)
• cooperative-banking-japan — Cooperative finance as a whole
• cooperative-banks INDEX

Sources

• FSA credit-cooperative license list: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 1180005003442, registry No. 82)
• Aichi Shogin Credit Cooperative disclosure: https://www.a-sg.jp/shogin/discloser/
• Wikipedia “Aichi Shogin Credit Cooperative” (financial figures as of 2025-03-31, history): https://ja.wikipedia.org/wiki/信用組合愛知商銀
• National 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 (Kyokinho)
• 2002〜2003 Kansai Shogin shinkumi failure-related Deposit Insurance Corporation public materials

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[!info] Verification status confidence: likely. The corporate number, registry No., and head-office location derived from the FSA registry are ^• (public information). The total-assets, deposits, loans, capital-contribution, net-assets, number-of-employees, and number-of-branches KPIs are sourced from Wikipedia (based on the disclosure publication, as of 2025-03-31) (only the number of members requires consultation). The history (1954-12-27 established as Kongo Credit Cooperative, renamed to the current name in 1958 年, operating in Aichi and Mie) is also sourced from Wikipedia. Added in the Wave 13 expansion as the Chukyo representative of Shogin-affiliated ethnic shinkumi.