In recent years, the Incubator Bank of Japan operated under a singular business model of increasingly purchasing loan claims from money lending businesses and rapidly expanding business with major borrowers with which it had a close relationship and, as a result of its failure to perform adequate credit checks and credit management in line with such a business model, the Bank was faced with the need to set aside a large amount of additional reserves. We suspect that the main reason for the Bank's failure is the history of its operation like that. Another point is that because the bank does not offer an ordinary deposit service and therefore does not have any clearing function, and also does not raise funds from the interbank market, it does not share the same type of business operation as other financial institutions and is accordingly, in our view, situated in an environment distinct from those of other financial institutions. Judging from those circumstances of the bank, we believe that its failure will not affect the stability of Japan's financial system.
日本振興銀行は、近年、貸金業者から債権買取を増加させるとともに、親密な大口預金先に対する急激な業容拡大を図るという特異なビジネスモデルの下で、それに見合った十分な与信審査管理を行わなかった結果、多額の追加引当金が必要となったものであります。同行が破綻に至ったのは、このような同行の事情が主たる要因と考えております。また、同行は、普通預金の取扱いがなく、決済機能を有していないほか、インターバンク市場からの調達もないなど、他の金融機関とはその形態が異なっており、こうした面からも他の金融機関とは置かれている状況が異なっているものと認識いたしております。こうした同行の状況を踏まえると、今回の同行の破綻は、我が国金融システムの安定性に影響を与えることはないと考えております。 - 金融庁
The Tokyo Stock Exchange obliges companies listed on Mothers to hold more than two explanatory meetings per year three years after listing. In April 2004, JASDAQ also introduced a system that requires all its listed companies to have two IR meetings a year (four meetings per year for companies listed on the NEO, established in 2007), and, along with the system, it set up a special unit to provide the companies with necessary services. The free services for all the listed companies, “JQ IR Support Service,” include lectures by IR experts, seminars where IR practitioners offer their experiences as a lesson for others, and a “website dedicated to IR,” which provides investors and the companies with opportunities to communicate. It also has a system of annual commendation to have examples that should be guides to IR activities that should be made widely known and that should promote more aggressive efforts, so that its listed companies will offer more and better IR services and, as a result, that the JASDAQ itself will function better. With such initiatives in mind, exchanges should provide companies listed on them with more support in disclosure activities they perform for investors, such as IR meetings held for them.
また、東京証券取引所では、マザーズ上場会社に対して上場後3年間において年2回以上の説明会を義務付けている。ジャスダック証券取引所でも全上場会社に対し2004年4月より年2回(ただし、2007年創設のNEOについては年4回)のIR実施を制度化し、それと同時に上場会社向けサービスを実施する専門部隊を設置。「JQ IR支援サービス」としてIR有識者による講演、IR担当者による体験談等に関するセミナー開催、「Web上のIR専用サイト」を通じた投資家と上場会社を結ぶコミュニケーションの場を全上場会社に無料で提供している。加えて、年に1回IR活動の指針となるような事例を紹介し、積極的な活動に資することを目的とした表彰制度を通じて、上場会社によるIR活動がより一層充実し、ジャスダック証券取引所の市場機能の活性化につなげている。各取引所はこうした取り組みを踏まえ、株主向けIR説明会の開催等、上場企業の株主への情報開示に係る支援を更に強化していくべきである。 - 経済産業省