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Management Support for SME Customers

Mizuho shares information on the needs and issues of its customers at various stages in their development, offers them proposals for solutions, and supports their implementation.

Through drawing fully on its consulting capabilities for providing proposals and solutions for addressing management issues, Mizuho fulfills its responsibilities as a financial institution by providing support for customers' business expansion and succession and business restructuring based on a good understanding of customers' perspectives.

In particular, through growth strategy support based on consulting, we actively provide a range of business management support including M&A from the standpoint of business expansion and succession, and support for innovative companies with exceptional technologies or ideas.

Furthermore, the specialized section to support business revitalization within the credit group in Mizuho works intensively to provide support for SME customers' business improvement and business revitalization. In addition, Head Office and frontlines cooperatively provide consultation and support for customers, collaborating with external organizations, external specialists, and other financial institutions.

Regional Revitalization Initiatives

Case Example

Supporting Recovery in Disaster Areas of the Great East Japan Earthquake–Syndicated Loan to Miraiships

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Architectural rendering of the new shipyard

The shipbuilding industry in Kesennuma–shi, Miyagi Prefecture suffered catastrophic damage during the March 2011 earthquake disaster, with facilities destroyed by the tsunami, and ground subsidence in shipyard sites. The recovery of Kesennuma, one of the main marine products cities in Japan, is essential to the revitalization of the shipbuilding industry. Miraiships, comprising mainly four shipbuilding companies damaged in the disaster, was established to strengthen the business foundation for the shipbuilding industry in Kesennuma, and construct a shipyard with cutting–edge facilities at a new site.

The capital to construct the new shipyard was provided by subsidies from the Ministry of Land, Infrastructure, Transport and Tourism, along with a syndicated loan formed by MHBK together with local financial institutions.

Mizuho will continue to support revitalization efforts in the area.

Initiatives Related to Finance Facilitation and Guidelines for Personal Guarantee Provided by Business Owners

Finance Facilitation

Earnestly determined to fulfill a financial institution's social role of facilitating finance, Mizuho works to promote facilitating finance in accordance with the group's fundamental policies by appropriately responding to such customer requests as those for new loans and loan condition adjustments, and by striving to utilize its consulting functions.

Guidelines for Personal Guarantee Provided by Business Owners

Mizuho, in line with Guidelines for Personal Guarantee Provided by Business Owners, is working to establish and maintain good relationships of trust with its customers.

In addition, along with joint guarantee with a termination clause, we offer and promote alternative lending methods to personal guarantee provided by business owners, and have established a structure for cooperation between frontlines and the Head Office to encourage utilization.