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We offer surety in distinct parts of the industries, but on the other hand, we offer financial institution an opportunity to make investment. We are not just the merchants, but also a risk market maker in Japan. We gather varieties of credit risk and give opportunity for many other financial institutions to make investment. We have served as a credit risk market for those customers who have the need to reduce credit risk and those financial institutions that are willing to make investment.
In the further growth in our business fields, our main strategy is strengthening our knowhow in guaranteeing credit risks. We do not limit ourselves in using just our asset, making partnership with the leading companies to be able to challenge on creating new financial service.
Our desire is our customers' success in their business and we do our best to passionately support our customers. It is inevitable for us to be the leading company without our customers' success, and we will passionately and diligently pursue our jobs.
We are pleased to have our stock holders' encouragement and support.
Thank you, |
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What is the mid-term vision of this company? |
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Our mid-term vision is to manage new style of guaranteeing risks. We are the pioneer in credit risk market, and our next step is to become more enhanced in this field. |
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There are limits to financial institutions in managing credit risk by their own. The facts that credit risk evaluation takes large amount of management assets, as well as enough credits are necessary to handle large amount or credit risks. We offer a solution to those financial institutions that have trouble handling excessive risks. It is our company's main significance to support our customers in order to engage safe and flexible business and that will leads to our return. As a conclusion, our main earnings are gained by managing high credit risks that our customers are wanting to avoid, and those credit risks that is hard to evaluate.
In the mean time, we believe that in the future development of the credit risk market, it is essential to handle massive and diversified credit risks so that the bankruptcies occur as in the prediction. If the bankruptcies are as predicted, we can offer surety with low cost, and it will definitely contribute to growth in the credit risk market.
As a mid-term vision, we will expand our earnings by enhancing our credit risk management and strengthen our ability to handle large amount of surety to increase our speed of development. |
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In accomplishing the mid-term vision, what is the present stage? |
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Enhancing our credit risk transfer structure. |
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We are willing to enhance our ability to transfer credit risks. There are steps in making credit risk transfer and there are possibilities to make enhancement in creating a portfolio. We make evaluation of the credit risk and divide the credit risks into small amounts. We believe we can minimize the credit risks into even smaller pieces so that in creating a portfolio, we can disperse the credit risks and make balance. Evaluating a reasonable bankruptcy rates so that we will be able to make reasonable pricing, and it will leads to enhancing our overall service. In accomplishing this, our focus is in obtaining credit risks in both mass and variety, and constantly accumulating information in our databank. In the future, we are aiming to offer our credit risk market to financial institutions, but also such investors who are willing to make investment.
In introducing our product to investors, it is necessary for us to develop our sale rout. As a pioneer in this credit risk market, we have the merit as the only surety company in Japan listed in Jasdaq. We have made partnership with 27 local banks in Japan and using the full source of our partners, we have established enough sales rout in Japan. We can obtain varieties of credit risk not limited to those in Tokyo, but local credit risks as well.
In creating various structures for credit risk transfer, we have created a fund that receives only the credit risk. In having our own fund, we can create a service, more freely and flexible.
In the mean time, most of our earnings are from surety service to common business companies who are willing to avoid credit risks. We have strengthened our sales rout to become specialized in credit risk management. We believe it is time to expand our service for financial institutions, because of the fact that the amount of surety needed is larger for the financial institutions.
The credit derivatives are often used for transactions in financial institutions, and we are willing to engage and expand in this field. |
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