海外における協同組織金融機関の現状

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1

2 credit union mutual thrift credit union building society Kreditgenossenschaft Savings & Loan association

3 Crédit Agricole Arbejdernes Landsbank Amalgamated Bank

4

5 credit union mutual thrift savings bank Savings & Loan association Federal Credit Union Act 101(1): the term Federal Credit Union means a cooperative association organized in accordance with the provisions of this chapter for the purpose of promoting thrift among its members and a source of credit for provident or productive purposes.

6 savings bank credit union building society Financial Exclusion Social Exclusion Financial Exclusion http: //boj.or.jp/ronbun/ronbun_f.htm

7 Volksbank Raiffeisenbank Kreditgenossenschaft Bundesverband der Deutschen Volksbanken und Raiffeisenbanken Saemaul

8 share

9

10 Rabobank Rabobank Nederland Rabobank Crédit Agricole Crédit Agricole S.A. Caisses Régionales Caisses Locales

11 net worth requirements

12

13 savings bank

14 savings bank

15 Zusammen geht mehr Rabobank Rabobank Rabobank DZ Bank Rabobank Group Rabobank Group

16 Crédit Agricole Crédit Agricole Crédit Agricole S.A. Caisses Régionales Caisses Locales Rabobank GZ Bank Genossenschaftliche Zentralbank DG Bank Deutsche Genossenschaftsbank DZ Bank Deutsche Zentral-Genossenschaftsbank DZ Bank WGZ Bank Westdeutsche Genossenschafts-Zentralbank DZ Bank

17 Rabobank Rabobank Nederland Rabobank Rabobank Nederland Rabobank Rabobank Rabobank Nederland Rabobank Rabobank Rabobank Rabobank Rabobank Membership Certificate Rabobank Rabobank Nederland Rabobank Nederland Rabobank Rabobank Nederland Rabobank Rabobank Coöperatieve Centrale Raiffeisenbank Coöperatieve Centrale Boerenleenbank Rabobank Rabobank Rabobank Rabobank

18 Rabobank Rabobank

19

20

21 BaFin BaFin

22 savings bank savings bank savings bank BaFin

23 tangible capital well capitalized complex credit unions Tier Threshold Ratio Tier own funds Tier

24 all holders of savings, demand or other authorized accounts share savings account deposit account share qualified thrift member business loan deposit account

25

26 Association American Share Insurance CorporationMaryland Credit Union Insurance Corporation Washington Credit Union Share Guaranty

27 * (

28 DZ BANK Deutsche Zentral- Genossenschaftsbank giro network DZ BANK

29 Financial Exclusion Byrd, John W., Donald R. Fraser, D. Scott Lee, Thomas G.E. Williams, Financial Crises, Natural Selection and Governance Structure: Evidence from the Thrift Crisis, EFA 2001 Barcelona Meetings, Undated. DeGennaro, Ramon P., Larry H.P. Lang, James B. Thomson, Troubled Savings and Loan Institutions: Turnaround Strategies Under Insolvency, Financial Management, Vol.22, No.3, Autumn Heffernan, Shelagh, The Effect of UK Building Society Conversion on Pricing Behavior, Cass Business School of City University, Faculty of Finance Working Paper, March Smith, Dwight C., James H. Underwood, Business Transactions Division Memorandum: Mutual Savings Associations and Conversion to Stock Form, Office of Thrift Supervision, May DZ Bank Group Annual Report Rabobank Group Annual Report 2003.

B/SP/L VolksbankRaiffeisenbank Credit AgricoleBanques Populaires Rabobank OP Bank ( 1) ( ) Credit Professionnel Sammenslutingen Danske Andelskasser BV

B/SP/L VolksbankRaiffeisenbank Credit AgricoleBanques Populaires Rabobank OP Bank ( 1) ( ) Credit Professionnel Sammenslutingen Danske Andelskasser BV S C B SHINKIN CENTRAL BANK 104-0031 3-8-1 TEL.03-3563-7541 FAX.03-3563-7551 URL http://www.scbri.jp B/SP/L VolksbankRaiffeisenbank Credit AgricoleBanques Populaires Rabobank OP Bank ( 1) ( ) Credit Professionnel

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