日本政府が、企業が技術や顧客基盤などの無形資産を一括で担保に入れることができる制度の検討を始めたそうだ。日本では、特に中小企業向けの銀行融資においては、土地や工場などの不動産担保が中心で、事業の価値があまり考慮されていないと指摘されていました。新制度の狙いは、こうした状況を改善することにあります。優れた技術やノウハウを持つ中小企業が、資金調達の機会を増やすことができるのは素晴らしいことです。

Recently, alternative lending has been attracting attention in Japan. Alternative lending is a business loan option that falls outside of a traditional bank loan. For example, a Japanese electronic commerce and Internet company Rakuten gives a loan to its online shopping site owners using daily accounting data, and an accounting software company Yayoi also provides a loan to the users based on accounting data stored in the cloud. The banks seem to be losing opportunities to make a loan. Considering such situation, some banks reportedly have started collaboration with IT companies to develop similar services. There have been move to use intellectual property information for examination of new loans. Japan […]