著者

赤松 英二 Eiji AKAMATSU 四国大学大学院経営情報学研究科 Graduate School of Management and Informarion Science Shikoku Univ.

出版者

四国大学経営情報研究所

雑誌

四国大学経営情報研究所年報 (ISSN:13417436)

巻号頁・発行日

vol.12, pp.29-40, 2006-12-20

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After the World War II, the "Credit Guarantee Association" has contributed financing for small and medium-sized enterprises (SME) in Japan. But in recent years, the Association has been exposed to serious problems. It has a huge deficit, in the hundreds of billions of yen, due to payments of SME, and labor costs for executives who came from local government authorities. There are four reform measures necessary to restore the Association's health; (1) restraining payments instead of SME; (2) prohibiting local bureaucrats from employing cronies; (3) establishing banking agency morals, and (4) reforming the legal structure of Association's system. These reform measures are indispensable to the futures of both the SME and the Japanese economy.