Tokyo Metropolitan Government Employees Credit Cooperative (Tokyo Metropolitan Government Employees Credit Cooperative)

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This entry sits under cooperative-banks INDEX as the largest local-government-employee (自治体職員) shinkumi in Japan, complementing peer occupation-based (職域) shinkumi like Keishicho Shinkumi (police) and Tokyo Shobo Shinkumi (fire dept) within the 143-cooperative population catalogued in Japan credit cooperative registry.

1. Corporation overview

Membership eligibility ^•

Because it is an occupation-based shinkumi, membership eligibility is strictly limited to Tokyo Metropolitan Government employees:

1. Basic requirement: employees (regular staff) of the Tokyo Metropolitan Government’s Governor’s bureau / public enterprises (transportation / waterworks / sewerage / hospitals, etc.)
2. Retirees: OB / OG who have retired from the Tokyo Metropolitan Government (continued membership within a certain period is common)
3. Spouses / relatives: members’ spouses / family in the same household (per the articles of incorporation)
4. Non-member use: strictly restricted

Position within Zenshinkumiren

• a Kanto-block member institution of National Federation of Credit Cooperatives (Zenshinkumiren)
• one wing of the Tokyo 19 shinkumi among the Kanto 49 shinkumi
• system ATM linkage / surplus-fund management go through Zenshinkumiren

Main operations ^•

5. KPI

Note: Figures are from Wikipedia (end of 2022-03 : deposits 730 億円 / loans 410 億円 / total assets 899 億円) and the FSA Kanto Local Finance Bureau’s SME-finance-related management indicators. It is among the largest as an occupation-based shinkumi, but the actual scale is deposits of approximately 730 億円 / total assets of approximately 900 億円 (in the several-tens-of-billions-of-yen range).

6. Supervision / regulation

• Competent authority: Financial Services Agency / Kanto Local Finance Bureau
• Legal basis: Act on Cooperatives of Small and Medium-sized Enterprises, etc. + Act on Financial Businesses by Cooperatives (Kyokin Act)
• Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution frame
• Recent policy points:
  • DX response (smartphone app / electronic contracts / fully-web loans)
  • functional coordination with the mutual-aid association
  • OB / OG member management (aging response)

Related

• keishicho-shinkumi — Metropolitan Police Department Employees Credit Cooperative (peer occupation-based shinkumi, police-affiliated)
• tokyo-shobo-shinkumi — Tokyo Fire Department Credit Cooperative (peer occupation-based shinkumi, fire-affiliated)
• zenshin-kumi — National Federation of Credit Cooperatives (the central institution of the shinkumi industry)
• dic — Deposit Insurance Corporation of Japan
• credit-cooperative-registry-japan — Japan credit cooperative registry (all 143 shinkumi)
• cooperative-banking-japan — cooperative-organization finance overall
• iwaki-shinkumi — Iwaki Credit Cooperative (peer regional-type shinkumi, business-model contrast)
• cooperative-banks INDEX

Sources

• FSA credit-cooperative license list: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 8011105001107, registry No. 50)
• Tokyo Metropolitan Government Employees Credit Cooperative official: https://www.toshokushin.co.jp/
• Wikipedia: Tokyo Metropolitan Government Employees Credit Cooperative (end of 2022-03 : deposits 730 億 7,051 万円 / loans 410 億 3,246 万円 / total assets 899 億 4,898 万円 / net assets 93 億 7,937 万円 / capital contribution 1 億 6,254 万円 / 1 店 / staff 33 people / established 1921-03-30): https://ja.wikipedia.org/wiki/東京都職員信用組合
• FSA Kanto Local Finance Bureau SME-finance-related management indicators [Tokyo: credit cooperatives] (deposits 75,935 百万円 / loans 37,267 百万円 / capital adequacy ratio 22.67% / non-performing-loan ratio 0.77%): https://www.fsa.go.jp/policy/chusho/shihyou/kantou/tokyo/03.pdf
• National Central Society of Credit Cooperatives: https://www.shinyokumiai.or.jp/
• Zenshinkumiren (National Federation of Credit Cooperatives) official: https://www.zenshinkumiren.jp/
• Deposit Insurance Corporation of Japan official: https://www.dic.go.jp/
• Act on Cooperatives of Small and Medium-sized Enterprises, etc.
• Act on Financial Businesses by Cooperatives (Kyokin Act)
• Local Public Service Mutual Aid Association Act

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[!info] Verification status confidence: likely. The FSA-registry-derived corporate number / registry No. / head-office location (inside the Tokyo Metropolitan Government building) are ^• (public information). KPIs such as total assets / deposits are confirmed by Wikipedia (end of 2022-03 ) + FSA Kanto Local Finance Bureau management indicators (deposits 730 億円 / loans 410 億円 / total assets 899 億円 / capital adequacy ratio 22.67%). The initial “several-hundred-billion-yen scale” approximate figure was corrected to the actual scale (several-tens-of-billions-of-yen range). Added in the Wave 13 expansion as the largest anchor among local-government-employee-affiliated shinkumi. The specific division of roles with the local-employee mutual-aid association is not asserted in the body and requires additional verification.