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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.

Case example

Mizuho Smart Portal Established


As a new digital channel, Mizuho became the first of Japan's megabanks to establish a comprehensive internet portal, the Mizuho Smart Portal for its small and medium–sized enterprises (SME).

This portal can be used by SMEs throughout Japan regardless of whether they have relationships with MHBK. The new portal will make available information useful for SMEs (including the latest industry and administrative information as well as information related to establishing new businesses). The portal will also offer suggestions to customers for increasing productivity and will provide introductions to a wide range of MHBK services.

By making comprehensive content of this kind available, MHBK aims to contribute to the growth of SMEs in Japan and the revitalization of growth in regional areas.

Finance facilitation and response to the Guidelines for Personal Guarantee Provided by Business Owners

Finance facilitation

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.