| 作者 | 家森信善（教职研究员）、小川光（东京大学）、柳原光芳（名古屋大学）、播磨谷浩三（立命馆大学）、津布久将史（大东文化大学）、尾崎泰文（钏路公立大学）、相泽朋子（日本大学）、海野晋悟（香川大学）、浅井义裕（明治大学）、桥本理博（神户大学） |
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| 发表日期/编号 | 2020年1月 20-J-002 |
| 研究课题 | 地方经济与作为地方合作核心的地方金融机构的作用 |
| 下载/链接 |
概要
Preparing for frequent natural disasters is necessary to increase the sustainability of small and medium-sized enterprises. The SME Strengthening Act, established in 2019, aims to promote BCP (Business Continuity Plan) formulation for small and medium-sized enterprises. As stipulated in the Act, regional financial institutions are expected to play an essential role in promoting cooperation among various organizations and institutions that support SMEs. On the other hand, regional financial institutions are making efforts to strengthen their ability to assess the business feasibility of SMEs, and they can provide BCP development support based on their close relationship with customers.
However, sufficient research has not been conducted on the status of efforts to support BCP formulation by regional financial institutions. Therefore, in May 2019, our research team conducted a questionnaire survey of 7,000 branch managers of regional financial institutions and received responses from 2,623 individuals. The purpose of this paper is to introduce the primary findings.
The main results were as follows. (1) Few financial institutions have a firm grasp of the status of BCP formulation at their client SMEs. (2) Few financial institutions have encouraged client SMEs to formulate BCPs. (3) Financial institutions are not aware of the credit guarantee program related to BCP and reconstruction support funds. (4) Financial institutions also poorly understand local governments' BCP support measures. On the other hand, (5) Efforts for the business feasibility assessments, in general, have progressed, and staff capabilities have improved. (6) Significant reforms have been made in the personnel evaluation system for that purpose. (7) There has also been some progress in collaboration with external institutions such as credit guarantee corporations, the Japan Finance Corporation, and tax accountants. The challenge now is how to incorporate the perspective of the need for business resilience against natural disasters, through efforts such as BCP formulation, into the above initiatives based on business feasibility assessments.