横浜幸銀信用組合 (Yokohama Kogin Credit Cooperative)

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This entry sits under cooperative-banks INDEX as a Tokyo-metropolitan-area (Kanagawa) ethnic-business shinkumi anchor within the 143-cooperative population catalogued in Japan credit cooperative registry. Read it against Osaka Shogin Credit Cooperative for the Kansai counterpart in the Korean-business shinkumi network and National Federation of Credit Cooperatives (Zenshinkumiren) for the cooperative-system parent.

TL;DR

Yokohama Kogin Credit Cooperative is an ethnic credit cooperative whose base is business operators of the Zainichi Korean community, headquartered in Onoe-cho, Naka-ku, Yokohama City, Kanagawa Prefecture. FSA registry No. 58 (under the jurisdiction of the Kanto Local Finance Bureau), corporate number 3020005003571. It has a member base of Zainichi merchant-and-industrialist SMEs in Kanagawa Prefecture + the Koreatowns (Tsurumi / Kawasaki / the area around Yokohama Chinatown), and is one wing of the Kogin-affiliated / Shogin-affiliated ethnic-shinkumi network in the Kanto area. A member of National Federation of Credit Cooperatives (Zenshinkumiren), subject to Deposit Insurance Corporation of Japan (DIC). Operated under a three-layer membership eligibility of region + trade area + ethnic community, with cross-border remittance, community finance, and SME lending at the core of its business. ^•

1. Corporate overview

Membership eligibility ^•

As an ethnic shinkumi, membership eligibility has a three-layer structure of district + trade area + ethnic community (compliant with the Act on Cooperatives of Small and Medium Enterprises, etc.):

1. District requirement: persons who reside, work, or have a place of business in the articles-of-association-designated district centered on Kanagawa Prefecture
2. Trade-area requirement: merchants and industrialists (centered on Zainichi Korean business operators; strict on use by non-members)
3. Ethnic community: the de facto member base is Zainichi Koreans + their spouses, relatives, and related business operators

Kanto Kanagawa shinkumi block (registry comparison)

In Kanagawa Prefecture there are 6 credit cooperatives on the FSA registry (registry No. 55-60):

Note: Yokohama Kogin (Zainichi Korean) and Yokohama Kagin (overseas-Chinese-affiliated) coexist in the same address district (Naka-ku), a 2 行-organization setup of Kanagawa Prefecture’s representative ethnic shinkumi.

Position within 全信組連

• A Kanto-block member institution of National Federation of Credit Cooperatives (Zenshinkumiren)
• One wing of the 6 shinkumi in Kanagawa among the 49 shinkumi in the Kanto area
• System ATM linkage and surplus-fund management are via 全信組連

Main operations ^•

5. KPIs (official cooperative overview)

Sources: Yokohama Kobankin Credit Union “Overview”（2024-03-31 Current) and Official Disclosure Magazine List。

Note: The above is a final value based on Yokohama Kobankin Credit Union official “Cooperative Overview” (as of March 31, 2024). The latest half-year/full-year figures are in the official disclosure magazine. FSA credit union license list See.

6. Supervision / regulation

• Competent authority: Financial Services Agency / Kanto Local Finance Bureau
• Legal basis: the Act on Cooperatives of Small and Medium Enterprises, etc. + the Act on Financial Businesses by Cooperatives (Kyokin-ho)
• Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution category
• Recent policy issues:
  • AML/CFT strengthening (cross-border-remittance monitoring) — a regulatory-compliance cost inherent to ethnic shinkumi
  • Generational change of members (the risk of the 2 th- and 3 th-generation-onward Zainichi drifting away from the shinkumi)
  • Competition with Korean banks (Shinhan Bank Tokyo Branch, etc.)

Related

• osaka-shogin-shinkumi — Osaka Shogin Credit Cooperative (peer ethnic shinkumi, the Kansai version)
• zenshin-kumi — National Federation of Credit Cooperatives (the shinkumi industry’s central institution)
• hana-shinkumi — Hana Credit Cooperative (peer ethnic shinkumi, Tokyo)
• yokohama-bank — Bank of Yokohama (Kanagawa regional bank, in-area competitor)
• yokohama-shinkin — Yokohama Shinkin Bank (Kanagawa shinkin, business-type contrast)
• concordia-fg — Concordia FG (the Bank of Yokohama’s parent company)
• dic — Deposit Insurance Corporation of Japan
• credit-cooperative-registry-japan — Japan credit cooperative registry (all 143 shinkumi)
• cooperative-banking-japan — cooperative finance overall
• cooperative-banks INDEX

Sources

• Yokohama Kogin Credit Cooperative official “cooperative overview” (as of 2024-03-31): https://www.yokohamakougin.co.jp/about/overview.html — deposits and installment savings 6,550 億円 / loans 4,900 億円 / capital contributions 275 億円 / members 73,349 persons / branches 29 / staff 320 名 / established 昭和 37 年 2 月 28 日
• Yokohama Kogin Credit Cooperative official disclosure magazine: https://www.yokohamakougin.co.jp/disclosure/index.html
• FSA credit cooperative license list: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 3020005003571, registry No. 58)
• National Association of Credit Cooperatives: https://www.shinyokumiai.or.jp/
• 全信組連 (National Federation of Credit Cooperatives) official: https://www.zenshinkumiren.jp/
• Deposit Insurance Corporation of Japan official: https://www.dic.go.jp/
• The Act on Cooperatives of Small and Medium Enterprises, etc.
• The Act on Financial Businesses by Cooperatives (Kyokin-ho)

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[!info] 校核状態 confidence: likely. We have listed the corporate number, registry number, and head office location derived from the FSA registry, as well as deposits, loans, investments, number of members, stores, and staff in the official association profile. The details of the merger history cannot be determined until primary documents are confirmed.