Initiatives Concerning Human Resources
Basic Stance
Based on our belief that human resources are our most important management resources, the ZENKOKU HOSHO Group has set out in our management policies that we will develop human resources equipped with extensive knowledge and capable of responding with flexibility and speed to the increasingly diversified jobs and changes of the times, and that we will create an attractive and rewarding work environment in which each and every employee can use their abilities to the fullest extent.
Human Capital Initiatives
The Group has identified three key themes for our human capital initiatives, human resource development, improving employee satisfaction, and promoting expanding roles of female employees, in an aim to create a workplace where each and every employee can play an active role.
Initiatives Concerning Customers, Business Partners, and Local Communities
Basic Stance
We pledge in our management philosophy to help our customers realize their dreams and happiness by offering the highest-quality guarantee instruments and services to all customers who need credit guarantees, and to contribute to the development of regional communities. We are committed to doing our part in revitalizing regional communities through our housing loan guarantee business, our core operation.
Contributing to sustainable cities and communities
The Company has engaged in the credit guarantee business focusing on housing loan guarantees. By us undertaking joint and several guarantee, there will be no need for customers to ask an individual to act as a joint and several guarantor. Financial institutions will be able to reduce the risk of becoming unable to collect housing loans, and can provide loans with a sense of security. In this way, through credit guarantee services meritorious for both financial institutions and customers (housing loan borrowers), ZENKOKU HOSHO supports the invigoration of housing loans and fulfills an important role in society.
Providing products and services that meet the customer needs
In order to offer products and services that meet the needs of our customers and financial institutions, we make revisions and improvements to our products and services based on their requests. As part of our efforts to increase added value, we are constructing an application scheme for submitting guarantee applications using dedicated lines and Internet connection, in addition to existing methods such as fax or postal delivery. The new scheme will help shorten the time to reply and strengthen the security. We will continue seeking ways to further increase added value.
In addition, we run a housing loan campaign every year to assist the financial institutions with their sales efforts to obtain housing loan applications. In the fiscal year ended March 31, 2021, we offered a gift catalogue as premium to all customers who have taken housing loans guaranteed by ZENKOKU HOSHO. Although we rarely have the opportunity to meet the housing loan users face to face, we are dedicated to offering various services through financial institutions.
Enhancing the comprehension of customers
Providing information via the website and other channels
Our website provides the customers of our guarantee services with information pertaining to pre-loan and post-loan stages.
Enhancing the comprehension of financial institutions
Conducting briefing sessions, study sessions and on-demand consultations upon request
Since guarantee orders are received via the financial institutions, we plan and suggest holding sessions such as briefing sessions and study sessions for persons in charge at financial institutions in order to deepen their understanding of our guarantee products and administrative procedures, aiming to help promote housing loans. We ask each financial institution to inform us of details including desired theme, target audience, and timeframe in advance and hold the sessions according to their requests. After each session, we visit each office/branch of the financial institution to provide follow-up and support.
Briefing session・Study session
| Fomat | Number of participants |
|---|---|
| Briefing session hosted by Headquarters | Loan and liaison officers of all branches |
| Study sessions in each area and block | About 20 to 40 people |
| Study sessions at branch offices | About 5 to 10 people |
| Description of briefing and study sessions (for reference) |
|---|
| Product standards and administrative procedures |
| Points considered in the screening process (points considered when applying, collateral evaluation, etc.) |
| Recent housing loan promotional methods and case studies |
| Points to keep in mind for credit management |
| Question and answer (Q&A) session |
On-demand consultation
Our staff in charge of screening will provide consultations on individual cases at a booth in the company building of the financial institution. In addition to answering questions about housing loans in general, staff can also provide preliminary consultation prior to applying for a guarantee underwriting review.
Contributing to cultural projects in the region
We are supporting the activities of Japan Philharmonic Orchestra. Japan Phil is one of Japan's leading orchestras with a history spanning over 60 years, and has been engaged in activities for the regions, not only through our performance activities but also by continuing to teach musical instruments to and hold workshops for children since immediately after the Great East Japan Earthquake in 2011. We will continue backing the Orchestra's efforts as a way to contribute to the development of cultural projects and regional communities.
