川崎信用金庫

Wiki route

This entry sits under cooperative-banks index. Read it against Yokohama Shinkin Bank for peer / contrast context inside the Kanagawa shinkin block, Japan shinkin bank registry for the system landscape, Shinkin Central for the cooperative central institution above it, and the FSA for the supervisory / licensing boundary over 信用金庫.

TL;DR

川崎信用金庫 is a regional shinkin bank headquartered in 川崎区, 川崎市, 神奈川県, with its main operating base in 川崎市 and part of southern Tokyo. It is a cooperative financial institution whose core business is lending to SME manufacturers and shops in the Keihin Industrial Zone, housing loans, and retail deposits.

1. License / group boundary

Sources: For official name, corporate number, head office location, and presence on the license list, check the Financial Services Agency list, and check the official profile of Kawasaki Shinkin Bank for business district and organization information. ^[Sources: https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx; https://www.shinkin.co.jp/kawashin/profile/.]

2. Institution-type business model

As a 信用金庫 (shinkin bank), 川崎信用金庫 is a member-based cooperative deposit-taking institution under 信用金庫法, not a joint-stock bank. Membership and lending are tied to a defined 営業地区 — 川崎市 plus part of southern Tokyo — and credit is statutorily oriented to member SMEs (京浜工業地帯の中小製造業・サプライヤー) and retail households, distinguishing it from the shareholder-owned Bank of Yokohama competing in the same region. Surplus serves member return and reserves, the defining feature of the 協同組織金融 (cooperative finance) tier shared with Yokohama Shinkin Bank.

川崎信用金庫 has as its core business SME lending and working capital for SME manufacturers and suppliers in the Keihin Industrial Zone (川崎区・幸区 and so on), as well as housing loans and retail deposits in the commuter-town areas of northern Kawasaki. In the Kanagawa shinkin landscape it is in a geographic division-of-labor relationship with Yokohama Shinkin Bank, and it is an urban shinkin that competes in the boundary region with Jonan Shinkin, which has its operating base in the southwest of Tokyo.

3. System & regulatory positioning

• Central institution: sits beneath Shinkin Central for liquidity, surplus-fund investment, and settlement — the shinkin analogue of Norinchukin for the JA system.
• Supervision: licensed under 信用金庫法 by the FSA with day-to-day oversight delegated to the regional 財務局; deposits are insured by the Deposit Insurance Corporation (DIC).
• System context: see cooperative banking in Japan for the shinkin tier’s place within 協同組織金融 and the shinkin registry for the national 信用金庫 population.

4. Why this page matters

• An operating-company entry for a key player in Keihin Industrial Zone SME-manufacturing finance.
• An anchor for the Kanagawa shinkin geographic division of labor (Kawasaki vs Yokohama).
• A contrast page for the prefecture-border competition with Jonan Shinkin.

Related

• shinkin-central
• yokohama-shinkin
• jonan-shinkin
• shinkin-bank-registry-japan
• cooperative-banking-japan
• INDEX

Sources

• FSA: 信用金庫免許一覧 (latest snapshot per FSA registry)
• 川崎信用金庫 公式 会社概要 (per official 川崎信用金庫 corporate site)
• 信金中央金庫 cooperative system context