Credit Guarantee Corporation of Tokyo
Credit Guarantee Corporation of Tokyo
Annual Report 2013
Our Fundamental Philosophy
We at CGCT,
by offering credit guarantees,
connect the energy and credit standing
of small and medium enterprises to new possibilities,
and provide strong support
for the advancement of management.
Our Action Principles
External service, Customer orientation
We attend to customers with attitudes of kindness,
fairness and gratitude.
Internal environment, Ways of working
With new ideas and free discussion,
we aim to make our office
a cheerful and challenging workplace.
Fruitful working lives
We strive for personal development,
with sound bodies and minds.
Credit Guarantee Corporation of Tokyo
Contents
Message from the Chairman & President …………………2
Business Objectives / History ………………………………3
Recent Topics ……………………………………………………4
Mechanism of the Credit Supplementation System ………6
Eligibility for the Credit Guarantee System ………………8
Maximum Term and Amount of Guarantees ………………9
Responsibility-Sharing System ………………………………9
Credit Guarantee Fee …………………………………………9
Use of Credit Guarantee Services ………………………… 10
Business Performance ……………………………………… 12
Statistics ……………………………………………………… 13
Organization Chart ………………………………………… 14
Credit Guarantee Corporation of Tokyo Annual Report 2013
Message from the Chairman & President
Message from
the Chairman
& President
As always, we are sincerely grateful for the cooperation and support that is
extended to Credit Guarantee Corporation of Tokyo (CGCT).
Since its founding in 1937, CGCT has served as a bridge between financial
institutions and small and medium enterprises (SMEs) by offering credit guarantees
to facilitate business financing. As a result, CGCT has contributed significantly to the
stability and sound development of SMEs.
In fiscal 2012, expectations of a gradual recovery for the Japanese economy rose
as steady progress was made with reconstruction measures in the wake of the Great
East Japan Earthquake. However, economic conditions remained at a standstill due to
factors including uncertainties in the global economy stemming from the fiscal crisis
in Europe and sluggish domestic demand. As we entered 2013, economic stimulus
measures devised by the Japanese government and the Bank of Japan lifted business
confidence to some extent, but it will take time for the effects of the stimulus to
permeate, and the business environment for SMEs remained challenging throughout fiscal 2012.
Under these circumstances, the government took various steps to accelerate integrated financial and management
support initiatives for SMEs as part of concrete efforts with a view to the expiry of the 2009 SME Financing Facilitation
Act at the end of fiscal 2012. For example, an SME support network was created in each prefecture with the aim of
encouraging financial institutions and related organizations to cooperate in improving SME management and revitalizing
SME business.
Based on these measures, CGCT has responded to the expectations of SMEs, government, and other related
agencies by doing its utmost to offer financial and management support to SMEs. As a result, in fiscal 2012 CGCT
extended 93,000 new guarantees worth 1.3 trillion yen, bringing its outstanding guaranteed liabilities to 4.8 trillion yen.
Changes to loan conditions, such as easing of repayment terms, were approved in 90,000 cases. In this way, CGCT
helped to improve financing for SMEs in Tokyo.
In addition to supporting SME finances through such credit guarantees, CGCT has further enhanced its efforts
to assist in SME management, primarily through its new Management Support Department established in fiscal 2012.
As part of these endeavors, in September last year CGCT set up the Tokyo Council for SME Vitality, for which the
Management Support Department acts as secretariat. Bringing together Tokyo-area organizations and groups, including
financial institutions, management support agencies, and specialist associations, the council enhances cooperation among
organizations involved in improving SME management and revitalizing SME business. In readiness to support improved
management and swift revitalization of SMEs, CGCT also established Management Support Meetings to assist individual
companies.
As well as actively offering credit guarantees under various finance schemes operated by the national and Tokyo
Metropolitan governments, CGCT will continue to support new start-ups and corporate reconstructions, which are
powerful sources of employment opportunities and economic vigor. We will ensure that we can assist SMEs by further
enhancing our management support capabilities.
Through such efforts, CGCT will continue to contribute to the stable management and development of SMEs,
which are a key driver of Japanese economic vitality. Thank you once again for your ongoing understanding and support.
June 2013
2
Hiroshi Sato
Chairman & President
Credit Guarantee Corporation of Tokyo
Credit Guarantee Corporation of Tokyo Annual Report 2013
The central objective of the Credit Guarantee Corporation of Tokyo
(CGCT) is to support the many small and medium enterprises (SMEs) that
are managing their businesses in a reliable manner and striving to grow.
Our chief tool is to offer credit guarantees to SMEs so that they can raise
necessary funds from financial institutions or the capital market.
Foundation
History
History
Business Objectives
Business Objectives
In 1937, when the Japanese economy was in a serious recession, to help resolve the fund-raising
difficulties of SMEs, the Tokyo Prefectural Government and the Tokyo City Government (together, now the
Tokyo Metropolitan Government) established an incorporated association, the Credit Guarantee Corporation
of Tokyo, as the first institution in Japan to enter the credit guarantee business.
Enactment of The Credit Guarantee Corporation Law
In 1954, CGCT was transformed into an approved corporation pursuant to the Credit Guarantee
Corporation Law, which was enacted to facilitate our services and strengthen our organizational base.
Fifty-Two Credit Guarantee Corporations Nationwide
From 1937, when CGCT was established as a pioneer in providing credit guarantee services, to 1961,
credit guarantee corporations were founded in each prefecture across the country. At present, there are 52
credit guarantee corporations in Japan.
Establishment of the Credit Supplementation System
In 1958, the Small Business Credit Insurance Corporation (now the Japan Finance Corporation)
was established as a government agency to provide insurance for the guarantees offered by credit
guarantee corporations across the country. It was at this point that the current framework of Japan’s credit
supplementation system was completed. (See page 6, “Mechanism of the Credit Supplementation System”.)
Development of the System
The credit supplementation system has been greatly enhanced since its establishment. For example, the
definition of SMEs has been expanded to include larger firms, the range of business categories eligible for
guarantees has been broadened and the value limit for unsecured guarantees has been increased several times.
Moreover, in response to the diverse needs of SMEs, various new types of credit guarantee programs
continue to be developed, such as the Safety-Net Guarantee Program, CLO (collateralized loan obligation)
guarantees, corporate bond guarantees and ABL (asset-based lending) guarantees.
Based on the report by the Council on Government Policy for SMEs, various efforts are being made to
better respond to the needs of the times, such as the implementation of a responsibility-sharing system with
financial institutions and a guarantee rate system based on the client’s degree of credit risk.
Advancing with Small and Medium Enterprises
At present, various governmental measures for small and medium enterprises are being taken in Japan.
As an institution that plays a significant part in this mission, CGCT continues to advance in line with the
development of small and medium enterprises.
3
Credit Guarantee Corporation of Tokyo Annual Report 2013
Recent Topics
Recent Topics
CGCT is engaged in many new operations to promote the success of both SMEs and the regional
economy. The following are some of our events, services and special credit guarantee programs.
1
Management Support Initiatives
As well as providing financial support through credit guarantees, CGCT proactively offers management
support.
In April 2012, we established the Management Support Department, a new specialized department to
integrate and enhance our management support capabilities and offer even more effective support during the
credit guarantee period.
In September 2012, we set up the Tokyo Council for SME Vitality, an SME support network for which
the Management Support Department acts as secretariat. Established for the purpose of building stronger
links among financial institutions and other organizations involved in improving SME management and
revitalizing SME business, the council has a membership of 82 organizations and groups, including Tokyoarea financial institutions, management support agencies, and specialist associations. Using this network as a
platform, CGCT has also set up Management Support Meetings to assist individual companies in improving
management and swiftly revitalizing their operations.
2
Business Fair
As part of management support activities, each year CGCT
hosts a business fair for the purpose of contributing to SMEs’
business expansion through new business opportunities and
business matching.
In 2012, we held our sixth annual business fair “Edo-Tokyo:
Fusion of Skills and Technologies 2012” at Tokyo International
Forum. This was the largest fair to date, featuring 272 companies
with specialties ranging from traditional crafts to state-of-the-art
high technology, together with 12 support institutions. As well
as providing information on their products, technologies, and
services, SMEs displayed and sold their products while engaging
in lively business exchange and discussions across industry
boundaries. The highly popular fair attracted 11,605 visitors, the
highest number ever.
Poster for the upcoming 2013 Business Fair
4
Credit Guarantee Corporation of Tokyo Annual Report 2013
Support for Entrepreneurs
CGCT was the first of Japan’s 52 credit guarantee corporations to establish a department specializing in
providing support for start-up SMEs. With the slogan “From Sowing to Sprouting,” our Start-Up Business
Recent Topics
3
Assistance Plaza provides continuous support to pre- and post-start-up entrepreneurs from both management
and financial perspectives.
The Plaza provides comprehensive management support services for SMEs, from pre-establishment
financial advice and business planning to post-establishment management advice. CGCT also holds seminars
and entrepreneurial training courses designed to equip people with the know-how for launching and running a
business.
In fiscal 2012, CGCT provided about 3,800 guarantees worth 24.2 billion yen through the Plaza. Since its
foundation, the Plaza has contributed to the creation of approximately 40,000 jobs.
4
International Cooperation
CGCT is working to enhance international exchange pertaining to credit supplementation systems by
exchanging information at conferences and councils with foreign institutions and welcoming visitors to Japan
for research and study.
CGCT attends the annual Asian Credit Supplementation Institution Confederation (ACSIC) conference,
and regularly exchanges English-language annual reports with ACSIC member institutions. In addition,
every year CGCT and the Korea Credit Guarantee Fund host a Working Level Council, which provides an
opportunity for staff involved in business operations to actively exchange information and views through
discussion of practical topics such as “business performance and business plans” and “business challenges
facing various departments and planned countermeasures.”
Main international activities in fiscal 2012:
July
2012 Attendance at the 23rd Working Level Council with Korea Credit Guarantee Fund (Korea)
October 2012 Seminar on Financial and Technological Support for SMEs Promotion
November2012 Attendance at the 25th ACSIC Conference (Yokohama Japan)
February 2013 Seminar on financial system stabilization policies and strategies of financial system innovation
March
(for officers in the government and national banks of several Newly Independent States)
2013 Seminar for Korea Federation of Credit Guarantee Foundations and Small and Medium
Business Administration in Korea
5
Credit Guarantee Corporation of Tokyo Annual Report 2013
In order to strengthen the credit guarantee system, which supports the financing and growth
of small and medium enterprises, a credit insurance system has been established.
The credit insurance system is a mechanism to cover the risk that a credit guarantee
corporation may have to make payment pursuant to a guarantee, using insurance offered by the
Japan Finance Corporation, an organization fully funded by the government.
The credit guarantee system and credit insurance system are collectively termed the “credit
supplementation system.”
1) Loan application
Small
and
Medium
Enterprises
5) Loan repayment
Financial
Institutions
4) Loan
2) Application for
credit guarantee
6) Request for payment in
subrogation
2) Application for
credit guarantee
Deposit
CREDIT
GUARANTEE
CORPORATION
OF TOKYO
4) Guarantee fee
8) Loan repayment
(Recovery of funds)
Payment of insurance
premium
Payment of
recovered money
Credit insurance
contract
Japan Finance
Corporation
Small and Medium
Enterprise
(SME) Unit
Payment of
insurance
money
Supervision/Funding
Mechanism of the Credit Supplementation System
Mechanism of the Credit
Supplementation System
3) Issuance of
guarantee
7) Payment in
subrogation
Recovery of
subsidies
Contract of
subsidies for
possible losses
Payment of
subsidies
Fund loan/
Contributions
Tokyo
Metropolitan
Government
National Government
Funding
6
Ministry of Finance
Ministry of Economy,
Trade and Industry
(Small and Medium Enterprise Agency)
Subsidies
Credit Guarantee Corporation of Tokyo Annual Report 2013
(Cooperation between Japan Finance Corporation and CGCT)
Pursuant to a credit insurance contract between the Japan Finance Corporation (hereinafter
referred to as “JFC”) and CGCT, JFC undertakes to insure the credit guarantees issued by CGCT.
CGCT pays credit insurance fees to JFC, from the credit guarantee fees received by CGCT. In
the event that CGCT must make a payment in subrogation to a financial institution, JFC will
pay to CGCT as insurance proceeds 70% or 80% of the principal amount which CGCT pays in
subrogation. In the event CGCT recovers money from a defaulting SME, CGCT will pay to JFC
a portion, in the same ratio as the amount received from JFC bears to the principal amount.
Cooperation between Tokyo Metropolitan Government
and CGCT
In order to facilitate the financing of SMEs in Tokyo, the Tokyo Metropolitan Government
(“TMG”) implements various loan programs in cooperation with CGCT and financial institutions
in Tokyo. TMG lends funds to CGCT for the purpose of smooth implementation of such loan
programs, and CGCT deposits all of such funds in banks.
Mechanism of the Credit Supplementation System
The Credit Insurance System
In addition, pursuant to a contract of assistance for losses, TMG will, in the event CGCT
makes guarantee payments under TMG’s loan programs, provide to CGCT assistance money
covering all or part of such guarantee payments which is not covered by JFC’s insurance.
CGCT will pay to TMG a portion of any money that CGCT recovers from a defaulting SME, in
proportion to the TMG assistance money.
Bank Deposits
The deposits which CGCT makes in financial institutions influence financial institutions to
lend positively to SMEs, and at lower interest rates.
Such deposits are derived both from loans from TMG and from funds provided by TMG to
CGCT to promote the various TMG loan programs.
CGCT makes such deposits in banks whose loans are guaranteed by CGCT, and distributes
the deposits so as to promote proper guarantees, taking into consideration both the quantity of
guarantees (outstanding guaranteed liabilities, average of outstanding guaranteed liabilities, and
amount of guarantee acceptance or number) and the quality of guarantees (subrogation rate or
amount of subrogation).
7
Credit Guarantee Corporation of Tokyo Annual Report 2013
Eligibility for the Credit Guarantee System
Eligibility for
the Credit Guarantee System
CGCT provides credit guarantees to companies that satisfy certain conditions regarding company scale,
business type and company location, as described below.
1
Company Scale
In principle, CGCT can offer credit guarantee services to small and medium enterprises as specified in the
Small and Medium Enterprise Credit Insurance Law. SMEs that satisfy either of the limits on the maximum
number of full-time employees or the maximum capital listed in the following table qualify for application.
Business Type
Maximum Amount
of Capital
Maximum Number
of Employees
Manufacturing, etc.
¥300 million
300
Wholesale trade
¥100 million
100
Retail trade
¥50 million
50
Services
¥50 million
100
Health care, etc.
2
-
300
Business Type
The credit guarantee service is available to most types of businesses. Categories that are not eligible for
the service include agriculture, forestry, fishery and finance.
When SMEs are engaged in businesses which require a license or registration, they must obtain the
relevant license or registration.
3
Company Location
A company seeking credit guarantees must operate business facilities in Tokyo, either from a Tokyo head
office or from another business facility. In case of individually owned and operated businesses, the owner
must live in Tokyo or operate the business in Tokyo.
In the case of special financial programs offered by the government, companies must also meet any
conditions established by the government.
8
Credit Guarantee Corporation of Tokyo Annual Report 2013
In principle, the guarantee ceiling for a
Use of
Funds
Type of Guarantee
company is 200 million yen for a general guarantee
and 80 million yen for an unsecured guarantee,
Individual guarantee
bringing the total to 280 million yen. As noted
in the table, the maximum term and amount of
guarantee are prescribed by the type of guarantee,
and the conditions of the guarantee are set within a
Maximum Maximum
Term
Amount
Operations,
10 years
Equipment
Revolving guarantee Operations
2 years ¥280 million
Revolving guarantee Operations,
for overdrafts
Equipment
2 years
prescribed range. Special conditions are available
for companies that have been approved by the
Maximum Term and Amount of Guarantees
Maximum Term and
Amount of Guarantees
national or local government.
For the purpose of providing more suitable financial and management support for all SMEs, in
October 2007 CGCT introduced a Responsibility-Sharing System to more closely coordinate services and
responsibilities between CGCT and financial institutions. Whereas in principle CGCT used to guarantee 100%
of a loan, after the implementation, financial institutions must bear a fixed portion (about 20%) of the burden
(except for some guarantee programs).
Credit Guarantee Fee
Credit guarantee fees are calculated based on the loan amount, the applicable credit guarantee fee rate,
the term of the loan and the method of payment. As indicated in the table below, the main credit guarantee fee
rate is basically linked to each company’s business situation and is divided into nine levels*1. The applicable
rate classification for each borrower is determined utilizing the SME Credit Risk Database (CRD) *2.
Main credit guarantee fee rate (%)
Ⅰ
Ⅱ
Ⅲ
Ⅳ
Ⅴ
Ⅵ
Ⅶ
Ⅷ
Ⅸ
Credit guarantee fee rate
2.20
2.00
1.80
1.60
1.35
1.10
0.90
0.70
0.50
Credit guarantee fee rate
under Responsibility-Sharing
System
1.90
1.75
1.55
1.35
1.15
1.00
0.80
0.60
0.45
Classification
*1.
*2.
Responsibility-Sharing System Credit Guarantee Fee
Responsibility-Sharing System
CGCT has some guarantee programs that apply a single fixed credit guarantee fee rate.
CRD, which was established to facilitate the financing of SMEs, is the largest database regarding SMEs in Japan.
9
Credit Guarantee Corporation of Tokyo Annual Report 2013
Use of Credit Guarantee Services
Use of
Credit Guarantee Services
(Due to rounding up, totals may not match the sum of individual items.)
1
Almost half of Tokyo's small and medium enterprises
use the service
CGCT currently serves around 45.6% of the small and
Use of credit guarantee
service
medium enterprises operating in the Tokyo Metropolitan area;
45.6%
that is, 222,366 out of 487,729* businesses.
*Figure taken from the “2012 White Paper on Small and Medium Enterprises
in Japan,” compiled by the Small and Medium Enterprise Agency. This figure
excludes the fields of agriculture, forestry and fishery, which are not eligible for
credit guarantee services.
222,366 enterprises
use credit guarantees
As of March 31, 2013
2
60% of our clients are companies with capital
under 10 million yen or individuals
As of March 31, 2013
Client category
Individuals
Capital of under ¥3 million
54,997
4.1
Capital of ¥3 – 10 million
70,160
31.6
Capital of ¥10 – 30 million
70,841
31.9
Cooperatives, Other
Total
15,672
7.0
1,601
0.7
222,366
100.0
Over
¥30 million
Cooperatives, Other
0.7%
7.0%
Individuals
¥10 – 30 million
31.9%
24.7%
¥3 – 10 million
31.6%
Under
¥3 million
4.1%
More than 90% of guarantee acceptances are for
operating funds
Issued in FY2012
Use of funds
Amount of
guarantee
acceptances
(¥million)
Percent of
total value
Operations
1,187,100
93.3
Equipment
55,876
4.4
Operations, Equipment
29,109
2.3
1,272,085
100.0
Total
10
Client breakdown,
by type/capital size
24.7
9,095
Capital of over ¥30 million
3
Number of users Percent of all users
Purpose of use of
credit guarantees
Operations,
Equipment
Equipment
4.4%
2.3%
Operation
93.3%
Credit Guarantee Corporation of Tokyo Annual Report 2013
As of March 31, 2013
Lender type
Balance of
outstanding
guaranteed
liabilities
Percent of
total value
Use of guarantees,
by type of financial institution
(Percent of total value)
Government
financial
institutions
(¥million)
City banks*
Other banks
Shinkin banks,
Credit cooperatives
Government
financial institutions
Other
Total
2,252,680
47.0
507,888
10.5
1,990,608
41.5
39,168
0.8
3,476
0.1
4,793,820
100.0
*Mizuho Bank, Bank of Tokyo-Mitsubishi UFJ, Sumitomo Mitsui Banking
Corp., Resona Bank, Mizuho Corporate Bank, Saitama Resona Bank
5
0.8%
Shinkin banks,
Credit
cooperatives
City banks
47.0%
41.5%
Other banks
10.5%
A broad range of business types
use credit guarantees
As of March 31, 2013
Sector
Number of users
Percent of all users
Manufacturing
37,755
17.0
Wholesale trade
34,223
15.4
Retail trade
42,632
19.2
Construction
35,128
15.8
Services
51,836
23.3
4,819
2.2
15,222
6.8
Other
751
0.3
Total
222,366
100.0
Transport, Warehouse
Real estate
6
Other
0.1%
Use of Credit Guarantee Services
4
Use of credit guarantees by different types of
financial institutions
Use of guarantees,
by sector
Real estate
6.8%
Other
0.3%
Transport, Warehouse
2.2%
Manufacturing
17.0%
Services
23.3%
Wholesale trade
Construction
15.8%
15.4%
Retail trade
19.2%
Over 70% of our clients are companies with fewer
than five employees
As of March 31, 2013
Number of employees
Under 5
Number of users
Percent of all users
168,172
75.7
6~10
21,821
9.8
11~20
15,350
6.9
21~50
11,018
5.0
5,852
2.6
153
0.1
222,366
100.0
Over 50
Cooperatives
Total
Use of guarantees,
by company size
Over 50
2.6%
21~50
5.0%
6~10
11~20
6.9%
Cooperatives
0.1%
9.8%
Under 5
75.7%
11
Credit Guarantee Corporation of Tokyo Annual Report 2013
Business Performance
Business Performance
The following shows details of CGCT's business performance over the last three years. CGCT's fiscal
year commences on April 1 and ends on the following March 31.
(Due to rounding up, totals may not match the sum of individual items.)
Balance Sheet
Unit: ¥ million; as at fiscal year-end
FY2010
FY2011
FY2012
Cash and deposits
219,031
244,137
250,297
Securities
356,376
374,878
383,802
8,350
7,922
7,791
5,404,272
5,268,183
4,793,820
93,393
85,716
78,989
Item
Movables and real estate
Debits
Offset account for guaranteed liabilities
Indemnity rights
12,462
12,560
12,085
6,093,884
5,993,396
5,526,784
220,572
230,801
243,221
0
0
0
Reserve for account balance fluctuation
83,000
93,100
105,500
Liability reserves for guarantee payments
33,757
32,993
29,882
Reserves for amortization of indemnity rights
40,104
41,646
39,788
Retirement allowance
7,832
7,586
7,598
Guaranteed liabilities
5,404,272
5,268,183
4,793,820
Miscellaneous accounts
Total
Fundamental assets
Fund for promoting credit guarantee system reform
Credits
Subsidies for indemnity rights
8,720
7,099
5,310
Loans
148,459
172,459
181,182
Miscellaneous accounts
147,170
139,531
120,483
6,093,884
5,993,396
5,526,784
Total
Statement of Receipts and Disbursements
Item
Income
FY2010
FY2011
FY2012
Guarantee fees
56,025
52,765
49,350
Deposit interest
78
78
69
Interest and dividends on securities
5,915
6,129
6,297
Interest for indemnity rights; Other
6,085
7,204
5,909
Total
68,103
66,176
61,626
Business costs
11,922
11,866
11,615
0
0
0
21,025
20,597
20,132
11
16
2,673
32,958
32,479
34,421
35,145
33,697
27,205
-21,527
-13,464
-2,455
191
96
69
13,810
20,329
24,819
Interest on borrowed money
Payments
Credit insurance premiums
Other
Total
Balance of current accounts
Balance of non-recurring accounts
Disposition of fund for promoting credit guarantee system reform
Balance of income and payment for this term
12
Unit: ¥ million; as at fiscal year-end
Credit Guarantee Corporation of Tokyo Annual Report 2013
Statistics
Statistics
Amount (¥million)
Amount (¥million)
Number of cases
211,743
213,662
220,572
230,801
243,221
5,180,560
5,527,389 5,404,272
5,268,183
4,793,820
534,718
2008
2009
2010
2011
2008
2012
522,438
2009
504,289
500,761
480,883
2010
2011
2012
Outstanding
Guaranteed Liabilities
Fundamental Assets
3,107,876
Amount (¥million)
2,521,935
Number of cases
2,210,458
188,303
1,703,082
1,272,085
162,299
134,693
115,237
92,537
2008
2009
2010
2011
2012
Guarantee Acceptances
211,520
Amount (¥million)
Amount (¥million)
Subrogation rate (%)
171,621
25,074
155,950
22,493
137,722
24,661
123,703
3.89
20,867
2011
2012
3.88
2.88
2008
21,789
2009
2010
2.55
2.47
2011
2012
Subrogation Paid
2008
2009
2010
Recoveries
Subrogation rate equals aggregate amount of guarantee payments divided
by the average monthly outstanding guaranteed liabilities in a given year.
13
Credit Guarantee Corporation of Tokyo Annual Report 2013
Organization Chart
Organization Chart
(As of April 2013)
Internal Auditing Office
Secretarial Office
Chairman
&
President
General Affairs Dept.
Internal Auditor
General Affairs Sect.
Accounting Sect.
Yoga Center Management Office
Senior
Executive
Director
General
Affairs
Division
Planning Sect.
Planning Dept.
Systems Information Sect.
Human Resources Dept.
Guarantee
Organizational Dept.
Managing
Directors
Public Relations Sect.
Human Resources Sect.
Guarantee Organizational Sect.
Management Support Organizational Sect.
Management Support
Dept.
Business Support Sect.
Corporate Bond / Institutional Guarantee Sect.
Guarantee Administration Organizational Sect.
Guarantee
Administration Dept.
Subrogation Sect.
Credit Insurance Sect.
Directors
Loan Restructuring
Dept.
Loan Restructuring Sect.
Collection Organizational Sect.
Collection Dept.
Auditors
Business
Operation
Division
14
Collection Affairs Sect.
Collection Sect.
Guarantee Dept.
Guarantee Sect. Start-up Business
Assistance Plaza
Start-up Business Sect.
Tama Office
Executive Officers
16 directors
3 auditors
Employees
699
Legal Procedures Sect.
Start-up Business Sect.
Ikebukuro Branch
Guarantee Sect. Gotanda Branch
Guarantee Sect. Kinshicho Branch
Guarantee Sect. Shinjuku Branch
Guarantee Sect. Senju Branch
Guarantee Sect. Ueno Branch
Guarantee Sect. Shibuya Branch
Guarantee Sect. Katsushika Branch
Guarantee Sect. Ota Branch
Guarantee Sect. Tachikawa Branch
Guarantee Sect. Hachioji Branch
Guarantee Sect. Credit Guarantee Corporation of Tokyo Annual Report 2013
Ikebukuro Branch
Nissay Ikebukuro Bldg., 1-24-1 Higashiikebukuro, Toshima-ku, Tokyo 170-0013
Phone: 81-3-3987-5445 Fax: 81-3-3987-7523
Gotanda Branch
Higashi Gotanda Square Bldg., 2-10-2 Higashigotanda, Shinagawa-ku, Tokyo 141-0022
Phone: 81-3-5447-8250 Fax: 81-3-3443-1130
Kinshicho Branch
Arca Central Bldg., 1-2-1 Kinshi, Sumida-ku, Tokyo 130-0013
Phone: 81-3-5608-2011 Fax: 81-3-5608-2320
Shinjuku Branch
Shinjuku Island Wing Bldg., 6-3-1 Nishishinjuku, Shinjuku-ku, Tokyo 160-0023
Phone: 81-3-3344-2251 Fax: 81-3-3344-2390
Senju Branch
Sumitomo Seimei Kitasenju Bldg., 40-10 Senjunakacho, Adachi-ku, Tokyo 120-0036
Phone: 81-3-3888-7231 Fax: 81-3-3888-7293
Ueno Branch
Matai Bldg., 2-6-7 Motoasakusa, Taito-ku, Tokyo 111-0041
Phone: 81-3-3847-3171 Fax: 81-3-3847-3191
Shibuya Branch
Shibuya Shinminamiguchi Bldg., 3-28-13 Shibuya, Shibuya-ku, Tokyo 150-0002
Phone: 81-3-5468-0135 Fax: 81-3-5468-1037
Katsushika Branch
Joto Small Business Promotion Center, 7-2-5 Aoto, Katsushika-ku, Tokyo 125-0062
Phone: 81-3-5680-0801 Fax: 81-3-5680-0807
Head Office
Ota Branch
2-6-17 Yaesu, Chuo-ku Tokyo 104-8470, Japan
Jonan Small Business Promotion Center, 1-20-20 Minamikamata, Ota-ku, Tokyo 144-0035
Phone: 81-3-5710-3610 Fax: 81-3-5710-3091
Tachikawa Branch
Core City Tachikawa Bldg., 2-37-7 Akebonocho, Tachikawa-shi, Tokyo 190-0012
Phone: 81-42-525-6621 Fax: 81-42-525-8712
Hachioji Branch
Hachioji First Square Bldg., 3-20-6 Myojincho, Hachioji-shi, Tokyo 192-0046
Phone: 81-42-646-2511 Fax: 81-42-646-1970
Japan
Senju
Katsushika
Ikebukuro
Tachikawa
Hachioji
Tokyo
Ueno
Shinjuku
Kinshicho
Head Office
Shibuya
Gotanda
Ota
This annual report is available on the Internet,
as are the reports for 2011 and 2012.
Please go to http://www.cgc-tokyo.or.jp/about/public/annual.html
For additional information and/or inquiries concerning
the contents of this brochure, please contact:
Public Relations Section
Planning Department
JOTO Bldg., 2-6-15 Yaesu, Chuo-ku, Tokyo 104-0028, Japan
Phone: 81-3-3272-3089 Fax: 81-3-3272-3095
15
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