Cooperation Business
Business Outline
Expanding the loan guarantee business, and applying our credit investigation expertise
We are engaged in the collaboration business by leveraging our accumulated expertise in credit and loan management. In the loan guarantee business, when our partner financial institution receives an application for an unsecured personal loan from a customer, it screens the application, and then we, as the loan guarantee company, conduct guarantee screening. Based on the results of our guarantee screening, the financial institution provides the loan to the customer. If the customer becomes unable to repay the loan, we will repay the financial institution on behalf of the customer.
Partner financial institutions(as of March 31, 2024)
Guaranteed loans outstanding
Our Guarantee Centers, located in Tokyo and Fukuoka, are entrusted with application reception and guarantee screening for unsecured personal loans provided by our partner financial institutions. In October 2018, the Centers received COPC® certification, an international quality assurance standard, for the first time in Japan as a guarantee center that provides BPO* services.
* Business Process Outsourcing. It refers to continuous entrustment of a series of business processes from outside companies.
Implementing joint advertising in the loan guarantee business
Launching a new advertising service model to improve promotional efficiency at partner financial institutions
On October 2, 2023, in the loan guarantee business, we started a service in which we provide creatives produced by our company to our partner financial institutions for use in their advertising and promotional activities.
[Advertising campaign featuring actress Mayu Matsuoka]
We have launched advertisements featuring actress Mayu Matsuoka, who has been active in a variety of fields, including TV dramas, movies, and commercials, and who is popular among both men and women of all ages. Through the natural and friendly image of Ms. Matsuoka, we express the idea that financial institutions are there for their customers and can be of assistance.
Poster
Business card size card
Expansion of our loan guarantee business and creation of new businesses and services
Setting the goal of “expanding into new business areas” in our medium-term management plan starting in fiscal 2023, we are striving to create new businesses and services while at the same time working to further expand our loan guarantee business by providing solutions designed for financial institutions. As solutions for financial institutions, we provide the Loan Operations Digitization Platform and promote planning and sales activities that contribute to the expansion of areas of business collaboration. By utilizing the expertise we have cultivated in consumer finance, we also provide affiliated loans that can contribute to the revitalization of general business companies’ core businesses and their business diversification, thereby aiming to develop new business models.
Provision of the Loan Operations Digitization Platform
In collaboration with NTT Data Japan Corporation, we have built a platform that supports the digitalization of overall operations regarding loans, and we have begun providing the platform to financial institutions. In the personal loan business, financial institutions and loan guarantee companies are faced with inflated system costs and more complicated administrative operations. By resolving these issues through the realization of digital transformation and providing new value to financial institutions and users, we aim to contribute to the expansion of the personal loan market and become the industry standard.
Expansion of areas of business collaboration
We are promoting new loan guarantee partnerships with money lending companiesas a new business domain, by utilizing our credit and loan management expertise accumulated in the loan guarantee business.
Affiliated loans
We are promoting collaboration and co-creation with corporate customers, mainly based on the SMBC Group’s customer base. For affiliated loans, points are awarded to customers who enter into contracts through general business companies, and a portion of the interest income is returned to the affiliated general business companies.