Support for SMEs and Regional Revitalization
Support for small and medium-sized enterprises (SMEs)
Mizuho provides information to clients which is relevant to their particular needs and challenges at each stage in their development, and we propose solutions and provide support for the implementation of these solutions.
By drawing on our consulting capabilities to provide proposals and solutions that address the issues SMEs face, we ensure that clients' perspectives are prioritized when providing support for business expansion, succession, reorganization, and other client needs.
We also believe that proactively supporting SMEs is a key part of fulfilling our social responsibility as a financial institution.
In particular, by providing consulting and support for SMEs' growth strategies, we can introduce clients to potential M&A opportunities from the standpoint of business expansion and succession, and support the growth of innovative companies with exceptional technologies or ideas.
Furthermore, a specialized business reorganization section within the Head Office provides support for SMEs' business improvement and reorganization needs. In addition, our Head Office collaborates with frontline offices to provide consultations and support for clients through partnerships with external organizations, external specialists, and other financial institutions.
Regional revitalization initiatives
In Japan, as a result of the trend toward concentration of businesses and other economic activity solely in Tokyo, rural populations are expected to decline and regional economies are expected to shrink in the future. As a nation, Japan must look for ways to revitalize regional areas through a virtuous cycle in which jobs draw people back to local areas and population growth creates more jobs.
Utilizing our office network in Japan, we are striving to promote the revitalization of regional economies by providing our clients with funding, supporting the operations of local businesses, and collaborating with regional governments.
Initiatives to strengthen our support for our SME clients' business succession needs
Due to the aging population of business owners in Japan, smooth business succession has become a key issue for the continual development of the Japanese economy. In particular, in recent years we have seen an increase in business succession needs among companies, primarily SMEs, who have not nominated successors.
At Mizuho Bank, we are collaborating with M&A Capital Partners, leveraging their solutions capabilities in SME–focused M&A with our client base in Japan, to provide tailored services addressing SMEs' expanding and diversifying succession needs.
Finance facilitation and response to the Guidelines for Personal Guarantee Provided by Business Owners
Mizuho works to promote finance facilitation in accordance with group–wide fundamental policies. This includes ensuring that we respond appropriately to requests for new loans or loan condition adjustments, and provide tailored consulting.
Guidelines for Personal Guarantee Provided by Business Owners
We are committed to establishing and maintaining good relationships with our clients in line with the Guidelines for Personal Guarantee Provided by Business Owners established by the Japanese Bankers Association and the Japan Chamber of Commerce and Industry.
We provide the option for a joint guarantee with a termination clause and other alternative lending methods allowing for a personal guarantee provided by business owners. Also, we have established a structure for cooperation between our frontline offices and Head Office to encourage the utilization of these methods.