Financing and Guarantees

Legal and regulatory support for social lending, transaction lending, and score-based financing that employ big data, guarantee services and factoring meeting new business needs, and business development and regulatory support in the credit industry

Market Developments: Social Lending

Social lending refers to loan intermediation services connecting lenders and borrowers via the internet, enabling entities seeking financing to connect with individual or corporate investors seeking to optimize returns on their assets.

Currently, these schemes typically involve investment through silent partnerships.

Market Developments: Transaction Lending

Transaction lending refers to financial services that use data, such as retail transaction histories, to conduct independent credit screening for investment decisions. Credit screening typically encompasses both previous and real-time transaction data. This type of lending is  typically appropriate to small-scale businesses that have not prepared financial statements or do not possess ample collateral.

Additionally, some Fintech business operators that offer cloud accounting have, in collaboration with banks, begun to offer financing services based on business feasibility appraisals of the entities seeking funds. We are now beginning to see financial institutions partnering with IT companies to analyze large volumes of data to build scoring models or promote financing using AI technology.

Our Services

A deep understanding of the Payment Services Act, the Financial Instruments and Exchange Act and other related financial regulations and laws as well as familiarity with lending practices is needed when transaction lending. The firm’s lawyers support these services using their specialist knowledge of the relevant regulations and expertise developed through their deep engagement in projects in this field.

Financing and Guarantees:People

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Financing and Guarantees:News

Top rankings received from Chambers FinTech 2024
Public Service
Report released by the “Study Group on Finance and Restructuring Practice Utilizing All Asset Security” on an investigation commissioned by the Financial Services Agency in which one of the firm’s attorneys-at-law was involved
Top Ranking Received From Chambers FinTech 2023
Public Service
Atsushi Okada states opinions regarding Japan's approach to AI/data transactions as member of Japanese delegation at Working Group on Electronic Commerce of UNCITRAL (United Nations Commission on International Trade Law)
Top Ranking Received From Chambers FinTech 2022

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Financing and Guarantees:Seminars

Apr. 7, 2022External Seminars
”Japan's legal approach to AI / data transactions"
Aug. 20, 2021External Seminars
"Practical overview of the AI/Data Contract Guidelines"
Jan. 31, 2020External Seminars
"Legal Frontier in AI, IoT and Big Data, and new regulations for digital markets"
Aug. 2, 2019External Seminars
"Global data protection laws and utilization of big data"
Jul. 19, 2019External Seminars
"AI/Data Contract Guidelines"

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Financing and Guarantees:Publications

Magazine Article
"Q&A Systems and Practices of Financial Service Intermediary Businesses (Part 7): Analysis Based on Public Comments on Government Ordinances and Supervision Guidelines"
Magazine Article
"Supervision and Regulation, Administrative Dispositions, Authorized Financial Service Intermediary Businesses Associations, Designated Dispute Resolution Organizations (Financial ADR), and Provisions Regarding Impacts on Other Laws and Regulations"
Magazine Article
"Q&A on Systems and Practices of Financial Service Intermediary Businesses (Part 5): Other Restriction on Activities, Etc. - Prohibition of Deposit of Money, Etc. and Regulations Regarding Use of Trade Names, Posting of Signs, and Statutory Books"
Magazine Article
"Q&A on Systems and Practices of Financial Service Intermediary Businesses (Part 4): Restriction on Activities and System Development - (2) Obligations Owed to Customers to Provide Information and Develop Systems"
Magazine Article
"Q&A on Systems and Practices of Financial Service Intermediary Businesses (Part 3): Restriction on Activities and System Development - (1) Obligation to Execute Businesses in a Fair and Sincere Manner and Obligation to Provide Information"

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