In guarantee business, ACOM provide credit guarantees to customers using loan products provided by financial institutions in alliance.
Two companies within the ACOM Group - ACOM and its consolidated subsidiary MU Credit Guarantee Co., LTD. (MUCG) - conduct guarantee business. ACOM and MUCG have 55 guarantee partners in total. The number of partners for each company is 30 and 25, respectively. The 2 companies share 3 partners.
Strengths in Guarantee Business
The basic strategy in guarantee business is to limit guarantee partner to one top-tier regional bank in each prefecture in principle.
While this prevents cannibalization among regional banks, it also enables us to maintain close partnerships with partner banks. We offer detailed products and services that meet each existing partner's differing needs, contributing to competitive advantage in the business.
Moreover, the Group makes the full out of credit screening and collection expertise in loan business. Our strength also includes personnel assistance such as dispatch of expert staffs from ACOM Group.
Balance of credit guarantees/number of accounts at ACOM and MU Credit Guarantee